Condo & HOA Associations

Your association's insurance is a board-level problem now.

Structural reserve requirements and milestone inspections changed what carriers ask for — and what they charge. Boards that treat renewal as paperwork are getting surprised. We help associations get properly covered before renewal becomes a crisis.

Markets accessed throughP&G Insurance Brokers
States with active placements10+
Core focusCondo & HOA Risk
Lines placedProperty · GL · D&O · Umbrella
The Association Program, in Plain Terms

Coverage that holds up when the board gets asked questions.

Property

The building itself, at a valuation that reflects what rebuilding actually costs today.

General Liability

Common areas, pools, sidewalks, guest injuries.

Directors & Officers

Board members making reserve and assessment decisions need real D&O behind them.

Umbrella

Serious limits over all of it.

Fidelity / Crime

Protects the association's funds.

Built for How Boards Actually Work

Numbers you can put in front of the board and explain in one meeting.

We shop the association's program across P&G Insurance Brokers' full market access, then bring back a clear, side-by-side proposal — what changed, what it costs, and what we recommend. No jargon, one point of contact, and answers when unit owners ask questions.

Not sure where your building stands on milestone inspections or reserve studies? See our 2026 deadline guide for the dates that matter and what carriers are asking for now.

How It Works

A simple process, start to finish.

You talk to a specialist, not a call center — and your submission gets shopped across a full market of carriers.

1

Discovery Call

A 15-minute conversation to understand your risk, current coverage, and timeline.

2

We Shop the Market

Your submission goes out to carriers through P&G Insurance Brokers' full market access.

3

Clear Proposal

We bring quotes back and walk you through a straightforward, no-jargon comparison.

4

Bound & Covered

You choose, we bind, and you're covered — with a team that stays reachable after the sale.

Renewal on the calendar? Put it on ours.

Tell us your renewal date and we'll come back with a straight read on your options — early enough to actually use them.

Request My Discovery Call