In this current market place when HOA's are being non-renewed due to fire risk or too high of total insured value, we have a solution with our exclusive program with an A rated - Admitted carrier.

Community Association Insurance

 

Key Features.....

  • Primary General Liability limits to include $1M/$2M or $2M/$4M for primary
  • Comprehensive property coverage agreed value, guaranteed and extended replacement cost (150%) options
  • Insured status for property managers
  • Board members and officers to be included as additional insureds, as well as coverage for off-site board meetings
  • Hired and non-owned auto and garage-keepers legal liability options available
  • Coverage extend to in-ground sprinkler systems and piping
  • Directors & Officers Insurance
  • Excess Liability up to $10M

 

Equipment Breakdown

equipment breakdown coverage with $250,000 spoilage included

Building Ordnance or Law

covers the cost to upgrade the property to meet the most up-to-date building codes after a covered loss

Coverage Extensions

for swimming pools, hot tubs, temporary or seasonal structures

Crime Coverage

employee theft, forgery or alternation, theft of money and securities, computer and funds transfer fraud and social engineering fraud

Sprinkler Leakage

Sprinkler Leakage caused by earthquakes included

Backup of Sewer and Drains

Coverage included for backups

Bodily Injury

mental anguish included in Bodily Injury

Cyber Liability

Cyber insurance generally covers your business' liability for a data breach involving sensitive customer information, such as Social Security numbers, credit card numbers, account numbers, driver's license numbers and health records.

EPLI

offers protection you may not think you need. Managing employees can be tough, and just one lawsuit could shut down your business. This will help to protect against those costs.

BearStar Insurance:

In the challenging HOA Market in CA, we have solutions for hard to place accounts

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They have always been responsive to our needs, whether it's adding a driver to our auto insurance, finding discounts to help us keep our premiums reasonable, bundling our auto and homeowner's, etc. They returns calls and emails quickly and knows their stuff. When we bought an RV on a holiday weekend we were able to get them on the phone and arrange for the required insurance before we drove off the dealer's lot. Excellent customer service!
Natalie T.
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