Whether we are looking at a property for the first time or renewing it for the 10th time, we have a rigorous process to ensure the best coverage, at the appropriate limits, with the best carrier available. We spend as much time working on renewal as on a new policy, to protect owner associations from all kinds of claims, for: 

– Residential Homeowners Associations

– Apartment Buildings Associations

– Office Buildings Associations

 – Commercial Condominium Associations

We are #theExtraMiler: 

In addition to the usual coverages for all possible liabilities, we at the Rick Callaway Commercial Insurance Team are known as #theExtraMiler, and we live up to our reputation, with either on location or remote broker services such as:

– Attend HOA board meetings at which we can answer any and all questions unit owners and property managers may have regarding coverages, companies, trends in the market, etc.;

– Attend property manager staff meetings upon request;

– Provide articles, documents, and other resources to educate property managers and HOA boards about any updates to inform homeowners, associations, as necessary.

We have access to many carriers 

We have access to many carriers, both admitted carriers for standard associations and non-admitted carriers for harder to place associations. The relationship we have with our underwriters gives us a large advantage over small or non-specialized firms.

We write the following types of policies

• Property and General Liability (Stand-alone or Package)
• Directors and Officers (D&O)
• Umbrella
• Non-Owned/ Hired Auto
• Fidelity (Also Known as Crime or Bond)

• Equipment Breakdown
• Cyber Liability
• Workers Compensation
• Earthquake
• Flood
• Dwelling (for Association-owned Units or Homes)