Commercial Umbrella Insurance Whenever you are looking for higher liability limits, an association should consider the purchase of an commercial umbrella policy. The policy is designed to give you extra liability in the event of a major claim or lawsuit. It provides additional liability coverage in excess of the current policies listed on the umbrella. […]

Association Workers Compensation Insurance Most associations are under the impression that they do not need Workers Compensation insurance if they do not have any employees. You need to take the necessary steps to keep your association’s financial future secure. Every association – whether they have employees or not – is faced with exposures if an […]

Directors & Officers Liability Insurance Directors and Officers Liability (D&O) is the most important coverage that can be purchased for an association. Most boards review the insurance by purchasing the lowest price proposal. As a member of the board, you want to make sure that you have the proper D&O liability insurance. Association management is […]

Employee Dishonesty Insurance How do you protect your association against theft of funds by the dishonest acts of your employees or management company? The purchase of a Crime/Fidelity Bond is usually required by your governing documents and in most case, required by your state. Insurance carriers refer to this policy by many names: fidelity bond, […]

Association General Liability Insurance What do you do when you receive lawsuit papers? Do you have the proper liability coverage that will protect you? Having the proper coverage before you receive that lawsuit and making sure that you have all of your liability exposures covered by insurance is critical to the financial future of your […]

Association Building & Property Insurance Trying to understand what to insure or how a claim will be settled for your association property can be confusing. You need an independent insurance agent who can explain how the insurance works for your common elements and limited common elements. For example, you may need help understanding the Maryland […]

Hablamos español Llámenos al 301.662.5717 Welcome to Connie Phillips Insurance-Financial. We’re honored to meet the insurance needs of the Hispanic community by providing personal service and competitive rates. Bienvenido a Connie Phillips Insurance-Financial. Nos sentimos honrados de satisfacer las necesidades de seguros de la comunidad hispana proporcionando servicios personales y tarifas competitivas. Several of our […]