Community Associations

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Protecting your property and its exclusive benefits

Individuals and families choose to live in a community association for the high quality of life they can enjoy — including property services, maintenance, social activities, luxury amenities, and more. Community associations including Homeowners Associations (HOAs), Cooperatives (Co-ops), Condos, and Planned Communities strive to provide those benefits while maintaining a safe and welcoming environment for residents, property owners, developers, and board members.

The insurance industry for community associations has been defined by an unprecedented number of natural catastrophes along with political and social unrest. This dynamic environment impacts how insurance companies view and underwrite these risks and how clients evolve to manage these risks.

With a real estate insurance specialist on your team, you can mitigate your risks and reduce your exposures. In the event of a claim, we have a dedicated real estate claims team to advocate on your behalf and help manage the claim process.

A specialist approach to risk

At Risk Strategies, our real estate specialists are well versed in the intricacies and unique challenges faced by community associations — including the Board of Directors being held personally liable for decisions and actions made on behalf of the association. We understand and can help you navigate state-specific regulations that are constantly evolving and can help protect those in all segments of community associations including:

  • Homeowners Associations (HOAs)
  • Cooperatives (Co-ops) and Condominiums
  • Planned Communities (PUD – Planned Under Development)

With team members spread out from coast to coast, we collaborate to protect you from exposures that impact your part of the country such as hurricanes, wildfires, extreme weather, flooding, and tornadoes.

Key coverages

As a national specialty broker, Risk Strategies enjoys a strong relationship with many key carrier partners. Relationships with senior-level management allow us to move quickly in developing creative solutions for clients that include key coverages such as:

  • Property Insurance
  • General Liability
  • Extended Replacement Cost
  • Loss of Income
  • Crime Insurance
  • Cyber Liability
  • Environmental / Pollution Liability
  • Errors & Omissions (E&O)
  • Directors & Officers Liability (D&O)
  • Workers Compensation
  • And more

We understand risk and how to manage it. As your risk management partner, we serve as an extension of your team and protect you like you are family.


Industry Experts

Marshall Heron
National Real Estate Practice Leader
Spencer Macalaster

Executive Vice President

Dan Cioci Jr.

Executive Vice President 

Ken Dash

Managing Director

Roger Kluge
Managing Director
John Uhl
Executive Vice President 

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