Our Services

Whether your association is self-managed or utilizes a management company, we will work with your appointed representative for your insurance needs. We are available and happy to attend annual board meetings and/ or additional board meetings or owners’ forums throughout the year on an as-needed/ as-requested basis, according to your preference. At CPIA, we are passionate about education and are always willing share any information to help your association make the most informed decisions possible regarding your insurance.

Both initially and in the future, we will conduct a detailed review of all of your association’s insurance policies to assess how/ whether they comply with the insurance requirements set forth in your governing documents, as well as how they compare with both industry-standard and best practices recommendations.

With your permission/ invitation, we will visit your association to walk the property, evaluate and discuss current and evolving coverage needs and recommendations, and meet with the Board personally as requested.

We will explore all of our available options during our initial quoting effort, and then we will seek to maintain longer-term relationships with those carriers. In the event of a material change in your risk profile, an undue premium increase, a shift in the marketplace or other similar development, we would conduct an exhaustive marketing effort at that time, as warranted.

We will always aim to provide you with renewal terms at least 30 days prior to your renewal date, or as requested.

Following your board’s authorization to bind/ renew coverage through our office, we will provide billing information and updated certificates of insurance without delay (within 2 business days).

In the event of a claim, our office will work with your association to submit your claim to the carrier and provide support as needed throughout the claims process. While we are not authorized to participate in the adjustment of your claim, we are always willing to facilitate communication with the carrier if necessary and discuss any concerns you may have.

With regard to certificates of insurance, our team handles these requests personally and promptly – and always at no cost to the individual homeowner.

Last-minute “RUSH” requests made by escrow officers or lenders may be subject to a fee, but this will always be disclosed and agreed upon in advance.

While we do not insure individual homeowners, we are always happy to draft letters, answer phone calls, or host seminars/ Q&A’s to help educate residents about the coverage they can (and should!) maintain personally, to supplement the association’s insurance. As a disinterested party in that transaction, we can even speak with their personal insurance agents about the coverage the association maintains and what we suggest each owner purchase to “dovetail” that protection.

Our agency does not believe in charging undue broker fees (or in allowing our wholesale partners to do so). We will always readily provide an explanation to you of any fee, at any time.

We are dedicated to surpassing your expectations by providing extraordinary service through honesty, courtesy, professionalism and education. We place an extremely high value on ethics and transparency, and we take our call to act in “utmost good faith” very seriously. Doing right by our clients and our carrier partners is of paramount importance to us, even if it means giving up a piece of business that we would otherwise like to write. For example, if we review a competitor’s offer and find we cannot improve upon it, we will not hesitate to tell you so.

We’re here for you – we know that you are all volunteers, and that serving on a community association Board can, at times, be a thankless job – so we are truly passionate about doing all we can to make the insurance piece easier on you! We have access to numerous articles, referrals and other resources that we are happy to share. Whether it’s reviewing the Insurance Section of your draft CC&R restatement or recommending what insurance you should require from an independent contractor, we’re happy to help. We won’t always be able to answer every question (there will likely be occasions that we will have to defer to your legal counsel, for example), but we will always endeavor to assist to the best of our ability.