Boards carry other people's homes and money — and the liability that follows.
Property programs for association structures in a coastal market, D&O for volunteer boards, and the documentation discipline that keeps reserves, appraisals, and coverage telling the same story at renewal.
A board's exposure is two-sided: the property itself in a coastal market, and the personal liability volunteers take on for decisions about other people's money. Post-2021, milestone inspections and structural-integrity reserve studies raised the stakes on both.
We place association property, D&O for the board, and crime and fidelity for the funds in motion — and we keep the reserves, appraisals, and coverage aligned so nothing contradicts at renewal.
What we cover
Association property
The structures the association is responsible for, valued for a coastal market and the current inspection reality.
Directors & officers (D&O)
The personal liability volunteer board members carry for the decisions they make.
Crime & fidelity
The funds in motion — reserves, dues, and the exposure to internal loss.
What goes wrong
Valuation missed the inspection reality
Post-milestone, the schedule no longer reflects what it costs to rebuild, and a named-storm loss settles short.
The board had no D&O
A decision about other people's money draws a suit, and the personal liability lands on the volunteers who made it.
The documents contradicted each other
Reserves, appraisals, and coverage told different stories at renewal, and the gap surfaced in the middle of a claim.
How it works
Align the documentation
Reserves, appraisals, inspection reports, and coverage that tell one consistent story.
Cover the board personally
D&O sized to the decisions volunteers actually make on behalf of owners.
Request a review
Send us your current policies and loss runs. We'll give you an honest read on where you stand — no obligation either way.
Request a risk review