.svg)
A Different Kind of Property Needs a Different Kind of Agent
Insuring a condominium association, HOA, or apartment community isn't like insuring a single building — you're balancing shared structures, board liability, unit owner improvements, and a dozen other exposures that a generic commercial policy was never built to handle. Choosing the right agent matters as much as choosing the right carrier.
Coldbrook Insurance Group is an independently owned agency built around exactly this kind of property. We currently insure more than 750 community associations, resorts, hotels, and apartment communities across Michigan — representing over 100,000 residential units and more than a billion dollars in property values. Our account team brings a combined 100-plus years of experience to every policy we write, and we work with over 100 insurance companies, including the top carriers in the community association space, so we can shop your risk rather than hand you a single quote.
We're active members of the organizations that matter most in this industry, including the Property Management Association of West Michigan, the Community Associations Institute (CAI), United Condominium Owners of Michigan, the National Apartment Institution of West Michigan, and the Lakeshore Area Condominium Associations. Every carrier we represent is independently rated for financial stability, and we hold preferred relationships with several insurers — including access to the largest community association insurer in the United States, a distinction very few Michigan agencies can offer.
Property Types We Insure
Whatever the size or structure of your community, we build coverage around it:
- Residential condominium associations
- Seasonal and secondary associations
- Homeowner associations
- Rental associations
- Hotel and motel condominiums
- Office condominiums
- Resort communities
- Timeshare communities
- Cooperative communities
- Apartment communities
This includes properties with amenities like restaurants, bars, golf courses, spas, and similar exposures that add complexity to a standard policy.
Coverage Built for Community Associations
Property Protection
- Guaranteed replacement cost, with no dollar limitation for buildings, community personal property, or structural glass and signage
- Building ordinance and law coverage, for the additional construction costs that come with local code requirements after a covered loss
- All-in coverage for co-owner improvements, betterments, additions, and alterations made to individual units
- Machinery and equipment coverage, automatically including damage from pressure vessel explosions, mechanical breakdown, and power surges
Financial & Liability Protection
- Employee dishonesty coverage, protecting association funds from theft or embezzlement, with optional coverage for the property manager as well
- Broad directors and officers liability, including defense costs when a board decision or action is disputed
- Environmental impairment liability, covering clean-up costs, defense, and judgments tied to a newly discovered pollution condition
- Liability coverage with no general aggregate limit
- Crime, Cyber & Management Liability
- Errors & Omissions
Additional Optional Coverage
- Sewer and drain back-up coverage
- Commercial auto coverage
- Workers' compensation, including "if any" policies for associations without direct employees
- Liquor liability, where applicable
- Excess umbrella liability from $1 million up to $25 million in limits
Risks That Are Easy to Overlook
Board liability is broader than most board members realize. A disputed board decision can trigger real defense costs even when the board acted in good faith. Strong directors and officers coverage exists specifically for that gap.
Unit owner improvements create a coverage question most associations never resolve. When a co-owner adds a built-in feature or upgrade to their unit, whose policy covers it if there's a loss? All-in coverage is built to answer that question clearly, before it becomes a dispute.
Seasonal and vacant units carry their own risk profile. Frozen pipes, ice dams, and unoccupied-unit losses are common and often preventable — but only if the risk is identified and planned for ahead of time, not after a claim.
Vendor and contractor exposure often goes unmanaged. Hold harmless agreements, sole proprietor statements, and proper vendor contract verification protect the association from liability that technically belongs to someone else's crew.
Loss Prevention & Risk Management
Every property has its own exposures, and part of our job is helping you reduce them before they become claims. We help associations build risk management plans covering:
- Ice dam prevention
- Frozen sprinkler pipe prevention
- Vacant and unoccupied unit loss prevention
- Sump pump failure prevention
- Pool and spa maintenance procedures
- Candle safety guidance
- Vendor contract verification
- Slip-and-fall exposure checklists
- Hold harmless agreements for contractors
- Sole proprietor statements from contractors
- Carbon monoxide and smoke detector recommendations
- Winterization procedures for seasonal unit owners
Service Built Around How Associations Actually Operate
Community associations don't run like typical businesses — decisions go through boards, property managers, and sometimes annual owner meetings. We work within that structure, not around it:
- Prompt response to calls and emails
- Attendance at board meetings to address insurance needs directly
- Attendance at annual meetings to explain coverage to owners
- Risk management and loss control support
- Board member training, available on request
- Side-by-side comparison of current versus proposed coverage
- 24-hour claims reporting, focused on fast, fair resolution
- A dedicated, experienced account team for your association
- Efficient billing procedures
- 24-hour turnaround on lender requests
Get a Quote for Your Association
Whether you manage a small self-run HOA or a large multi-building condominium resort, we'll structure a program with the coverages and limits that actually fit your property.
