Condominium Associations have unique coverage needs due to the common ownership of the buildings and structures and parking areas.  Trustees and Directors & Officers of the Condominium have a great responsiblity to ensure the proper coverages and insurance protections are in place for the Condo Unit Owners.


  • Building Insurance:  Does the Condominium Bylaws provide for "All In" or "Walls Out" coverage?  This can be critical to determining whether the Association or the Unit Owner is responsible for insuring improvements, betterments or alterations to the the unit.   Claim settlement can turn into a nightmare if coverages are not clarified and understood ahead of time.

  • Liability and Excess Liability (Umbrella) Insurance:  Trip and Falls, Swimming Pools, Playground Equipment and other activities at Condominiums can lead to incidents that could result in claims.  It is prudent to consider increased liability coverages to protect the interest of all Unit Owners and prevent unnecessary Loss Assessments.

  • Directors & Officers Liability Insurance:  Most Trustees or Boards of Directors on Condominium Associations are Unit Owners who volunteer their time and effort.  Sometimes decisions are made that upset other Unit Owners or other Third Parties who feel the Board has made decisions that result in a "wrongful act".  Directors & Officers coverage provides defense and insurance coverage for accusations against the members of the Board of Trustees.





Apartment Owners have a significant exposure to property and liability claims.  With high valued properties, tenant activities, off site or on site property managers, parking lots and property maintenance, an Apartment Owner has much to consider relative to their insurance needs.


  • Building Insurance:  Are the buildings insured to a proper amount to ensure the replacement of the cash flow asset?  If a covered loss occurs, is there sufficient insurance for the "Loss of Rents" and enough coverage for any "Extra Expenses" that might result because of the loss? 

  • Liability and Excess Liability (Umbrella) Insurance:  Like Condominiums, Apartment Owners face claims resulting from Trip and Falls, Swimming Pools, Playground Equipment and other activities that can lead to incidents that could result in claims. It is prudent to consider increased liability coverages because Landlord's are held to a higher level of standard of care, so it is critical to have limits of coverage to meet those exposures.

    Contact The Covenant Agency, LLC to see how we can provide the best available coverage at the most affordable premium.


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    "All the ways of the Lord are loving and faithful toward those who keep the demands of his Covenant". - Psalm 25:10