Protecting your members and board from losses.
Your Real Estate Association's primary governing document, the Covenants, Conditions, and Restrictions (CC&Rs), defines your legal insurance obligations. If your insurance policy isn’t precisely aligned, your association could face significant financial risk.
Protect your association’s balance sheet against losses from property damage and your members and board members from litigation.
Commercial Condo Associations
Residential Condo Associations
Homeowner Associations
Common Area Associations
Co-ops
We understand the challenges you face.
Your Highstreet real estate insurance specialists will help you buy the right insurance plan to protect you from losses due to liabilities such as alleged negligence, misrepresentation or failure to disclose vital information or compliance with governing documents such CCRs.
We’ll recommend the right coverage to protect your assets and your team.
General Liability
In common areas under your responsibility, we’ll show you how to protect your association from third-party claims of bodily injury, property damage and related legal or medical costs.
Umbrella Insurance
Additional liability coverage above and beyond the set limits of your other policies, such as commercial auto coverage, business owners’ coverage and property insurance. Excess Liability extends your coverage over one line of liability.
Property Insurance
Cover damage or loss to the common areas and structures owned and maintained by the association from perils such as fire, theft or vandalism, as well as personal property of others in your custody.
Difference In Conditions (DIC)
We can recommend whether you may want to get DIC coverage for losses from perils that may be excluded from your property insurance, such as floods and earthquakes.
Environmental Liability
Cover costly liabilities caused by pollutants on your association’s properties, from old underground storage tanks to refrigerant leaks, mold and more.
Executive Liability
We know what it takes to protect board members, officers, volunteers, and the association itself from personal liability for wrongful acts, errors, or omissions in the course of their duties, covering legal defense costs, settlements, and judgments.
Crime Insurance
Both your everyday business, and agents’ access to client properties and contents, present risks for employee theft or fraud. We can help you plan to cover potential losses and legal fees.
