Condo Association Management Insurance

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Insurance Guide for Condo HOA

Jackson Insurance Journal


From claims of libel, slander or privacy violations launched against your employees or organization, to inventory theft or visitor injuries that take place of your premises, Jackson Insurance Services can help protect you from the risks you face as an organization.

As a member of Community Association Institute we pride ourselves in the evaluation and professional placement of our HOA Insurance portfolio.

The placement of catastrophic exposures such as Home Owners Association Earthquake Insurance and Flood are quickly handled by our staff.Home Owners Associations that had difficulty in claims and are having trouble finding coverage is no problem for Jackson Insurance Services. With our unique and creative options, we have successfully rehabilitated the insurance program for many HOA’s and have saved the membership thousands of dollars in premium.


While your day-to-day operations are complex, understanding business insurance doesn’t have to be. There are coverage options available to protect just about every aspect of your business from employee injury to natural disasters. Some insurance is required by law and others by business associates, such as lenders and landlords. Obtaining the right type and amount of insurance for your business will help you avoid gaps in covarage where you need it most. Jackson Insurance Services is the HOA choice for the insurance placement of:

  • HOA Earthquake Insurance.-Earthquakes can occur without warning, with sometimes devastating results. The best way to prevent becoming a part of these statistics is to prepare as much as you can before one occurs.

  • HOA Property Insurance - Can fund repairs or replacements for damaged physical assets when disasters like vandalism, fire, windstorms, or hail strike.

  • HOA Liability Insurance- Can protect against financial losses resulting from claims of injury or property damage caused by you or your employees and your products or services.

  • HOA Directors and Officers Insurance - for disputes against the actions taken by you and other board members.

  • HOA Fidelity Coverage-covers you from losses that incur as a result of fraudulent acts by specified individuals. It usually insures an HOA from losses caused by the dishonest acts of its employees.

  • HOA Umbrella / Excess Liability Insurance-can shield your business from potentially ruinous lawsuits with additional liability coverage.

  • HOA Worker’s Compensation- Insurance can satisfy your employees’ medical needs in the event of an accident or disease and make a quick return to work possible, while providing support from industry leading claims services and unique access to loss control consultations.

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Tailor your policy with these additional insurance endorsements, coverages and polices to protect your association

Protect your Association with these additional insurance endorsements, coverages and polices to tailor your policy:

  • Life Insurance for Business Owners - can help you plan for business succession, survive the loss of a key employee or partner and retain/reward your top people.

  • Abusive Acts Liability- provides coverage for acts of acuse or molestation and provides defense costs inside the limit and not in addition to the limit of insurance.

  • Business Auto Insurance- can get you on the road again quickly after an accident and ensure your business is protected against losses from injuries to other drivers, passengers and pedestrians for which you and your employees are liable.

  • Equipment Breakdown-pays for direct damage and resulting loss of income caused by or resulting loss of income caused by or resulting from covered equipment breakdown.

  • Business Crime Insurance- can protect against fraud, theft, forgery or robbery.

  • Fine Arts- pays for loss to Fine Arts owned and used in your business and those of others in your care, custody or control. May be subject to per item limit.

  • Employee Benefits Liability- covers the amount you are legally obligated to pay due to errors in the administration of any employee benefit program.

  • Cyber Liability and Data Breach- provides coverage for privacy breach response services and expenses incurred to notify parties affected by a security breach, including fees and costs related to hiring a company to operate a call center, and reimbursing you for post-event credit monitoring costs for victims of breach.

  • Earthquake Sprinkler Leakage- pays for direct damage to Covered Property caused by the leakage of water from sprinkler heads or feed pipes resulting from an earthquake or volcanic eruption.

It’s important to remember your organization has specific needs which may change over time. As an apartment building owner, you will encounter challenges that require coverage to help you keep your business intact should an unexpected loss happen. Contact Matt Jackson for a customized insurance quote for your individual business needs. Because the more your know, the better you can plan for what’s ahead.