Community Association / HOA Insurance


Mike and his team specialize in creating customized risk management programs for community associations, HOAs, and apartment complexes by incorporating extensive experience in the industry with Shaw, Moses, Mendenhall's broad network of insurance carriers.  Mike and his team are members of the Greater Los Angeles Chapter of CAI (Community Associations Institute).


Our Customized Platform

Paramount to Mike and his team when servicing community association / HOA clients is the development of a comprehensive platform that ensures:

  • Association property is insured to value at full replacement cost to avoid possible penalties in insurance policies
  • Risk management programs and insurance policies comply with each community association / HOA's respective CC&Rs or state statutes where applicable
  • A full review of community association / HOA's fidelity requirements as required by federal lending guidelines
  • Annual reviews are conducted to maintain adherence to community association / HOA CC&Rs and to maintain correct property valuations
  • Pro-active recommendations for best practices in association risk management are offered when appropriate
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Our Customized Approach

Our customized, comprehensive approach in building risk management programs for community associates includes:

  • Thoroughly researching each community association's CC&R's to ascertain how unit boundaries are governed and delineate unit owner and association property (common elements, limited common elements, unit property, unit improvements & betterments)
  • Ascertaining updated community association plot plans to provide an itemized analysis of square footage for garage and living areas, presented to the association board for their convenience
  • Accurately calculating the replacement cost of association property by utilizing the country's top property valuation company, which may include an on-site inspection for greater accuracy
  • Ensuring fidelity policy limits are aligned with each respective association's federal lending guidelines
  • Thoroughly marketing each association policy among Shaw, Moses, & Mendenhall's extensive network of AM Best top rated carriers, specializing in community associations, to provide proper coverage at optimal premiums
  • Sharing any pertinent findings, found during our research and relayed to us by insurance carriers, that might help community associations further improve their insurance programs

Insurance Coverage Provided

We provide the following insurance coverage for our community association clients:

  • Commercial Property
  • Commercial Liability
  • Directors & Officers Coverage
  • Fidelity / Crime
  • Non-Payroll Worker's Compensation
  • Worker's Compensation
  • Umbrella / Excess
  • Owned, Non-Owned, Hired Auto Liablity
  • Business Interruption
  • Earthquake
  • Flood
  • Cyber Liablity