Homeowner Associations

Whether your association is just a few units or large and complex with exercise facilities, swimming pools and spas, saunas, and playgrounds, IronPoint Insurance can design a program for you.

Condominium and homeowner associations may face severe
financial consequence from property loss by fire, wind, or other
causes. The association could also face liability from claims
associated with the management of swimming pools and spas,
saunas, playground equipment, sponsored events, parking areas, advertising, and more.

To learn more about our comprehensive protection, please contact your IronPoint agent today.

Condominium Coverages

Here are some of the coverage options that are available to you to help
you with your insurance needs:

Property and Inland Marine

1. Buildings at Extended Replacement Costs or Actual Cash Values
2. Separate limit for Specified Property (such as Pools, Fences, etc.)
3. Automatic Increase in Building Amount (inflation guard)
4. Contents at Replacement Costs or Actual Cash Values
5. Condominium Unit Owners Coverage
6. Loss of Association Fees and Extra Expense
7. Loss in value of undamaged building portion, demolition or increased
construction cost to meet ordinance or law requirement
8. Comprehensive equipment breakdown coverage
9. Coverage extension to newly acquired buildings
10. Fire department service charge and extinguisher recharge cost
11. Outdoor signs
12. Debris removal or clean up cost
13. Pollutant clean up cost
14. Back up of sewers or drains or appliances
15. Accounts Receivables and Valuable Papers coverage
16. Computer equipment including Media & Records
17. Earthquake or earthquake sprinkler leakage

Crime

1. Employee Dishonesty
2. Money & Securities - from both inside and outside the premises
3. Forgery & Alteration
4. Money Orders & Counterfeit Currency

General and Other Liability

1. Operations and Premise liability including parking lot liability
2. Personal and Advertising injury liability
3. Products and Completed Operations liability
4. Contractual and Owners Protective liability
5. Hired and Non-owned automobile liability
6. Employee Benefits Liability
7. Medical Payments and Tenant's legal liability
8. Per location aggregate limits

Automobile Liability

• See our coverage page for Automobile Liability

Workers Compensation and Employers Liability

• See our coverage page for Workers Compensation