Commercial / Condo Association

Michigan Condo Association Insurance

A condo or homeowner association's master policy protects the buildings, the common areas, and the board itself — and how it's written determines what unit owners must cover. We help Michigan associations get the master policy right and keep it affordable.

What we do for condo association insurance clients

• The right master form — all-in, bare-walls, or single-entity — we make sure the master policy matches your bylaws so there are no gaps with owners' HO-6 policies.
• Association liability and D&O — premises liability plus directors and officers coverage protecting your board.
• Accurate building valuations — correct replacement values to avoid coinsurance penalties at claim time.
• Multi-carrier shopping — we compare association markets to control assessments and premium.

Associations we cover

Condominium associations, homeowner associations (HOAs), townhome and co-op associations, and their boards across Michigan.

What an association master policy covers

• Building and common-area property — the structure and shared areas per your governing form.
• General / premises liability — injury and damage claims in common areas.
• Directors and officers (D&O) — claims against board members for their decisions.
• Fidelity / crime — theft of association funds.
• Umbrella — higher liability limits for the association.

Common questions

What does a condo association master policy cover?

It covers the building structure and common areas, plus association liability and the board's D&O exposure. How it's written — all-in, bare-walls, or single-entity — determines whether it covers fixtures inside units or stops at the walls, which is what each owner's HO-6 policy then picks up.

What's the difference between all-in and bare-walls coverage?

An all-in master policy covers fixtures and improvements inside units; a bare-walls policy covers only the structure to the unfinished walls, leaving more for owners' HO-6 policies. We match the master form to your bylaws so coverage lines up.

Does the association need D&O insurance?

Yes — board members can be personally named in claims over their decisions (assessments, rules, vendor disputes). Directors and officers coverage defends and protects them, and it's considered essential for any association board.

How are association assessments affected by insurance?

If a covered loss exceeds the master policy, owners can be assessed for the shortfall. Getting the master limits and valuations right — and owners carrying loss-assessment coverage on their HO-6 — keeps surprise assessments down. We help on both sides.