COMMUNITY ASSOCIATION COVERAGE · BUFFALO & WESTERN NEW YORK
Community association insurance, built for the board.
Community association insurance, built for the board.
For more than five decades, Grimaldi has helped condominium, co-op, and HOA boards across Western New York protect shared property, manage liability, and make renewal decisions with confidence.
COMMUNITY ASSOCIATION COVERAGE
The protections every board needs to understand
Association Master Policy
A board-focused program for property, liability, fidelity, directors and officers, and more.
Association Property Coverage
Protection designed around common elements, replacement cost, and the systems your community depends on.
Condominium Coverage
A clearer way to align master-policy responsibilities with the protection unit owners should carry.
ASSOCIATION MASTER POLICY
Your master policy should match the community you manage.
Your master policy should match the community you manage.
We help boards evaluate building limits, general liability, directors and officers coverage, ordinance or law protection, fidelity, and loss assessment exposures—not simply compare a premium.
Association property coverage that reflects real replacement costs
From roofs and common areas to boilers, sidewalks, and clubhouses, we help boards build a property program around their actual exposures.
INSURANCE GUIDES
Board-ready guidance for associations and condos
Insurance Guide
Risk Management review for Community Associations
Insurance is just one part of a community association's risk management plan. Here's how condo and HOA boards reduce hazards before a claim ever happens.
Insurance Guide
Insurance Specifications and the Bidding Process for Associations
When insurance costs rise, a quick quote is not enough. Here's how community association boards should bid out their coverage and meet their fiduciary duty.
Insurance Guide
Why Community Association Insurance Premiums Keep Rising
Community association insurance is in a hard market. Here's why master policy premiums keep climbing and what your board can do about it at renewal.
Insurance Guide
Who Pays the Master Policy Deductible in a Condo or HOA?
When an association raises its master policy deductible, who actually pays it, the association or the unit owner? Here's how boards should handle it.
Insurance Guide
Community Association Insurance Specialists in Western New York
For decades, John J. Grimaldi & Associates has specialized in insurance for condos, HOAs, and co-ops across Western New York. Here's how we help boards.
CONDOMINIUM COVERAGE
Clarify the line between the association and the unit owner.
Clarify the line between the association and the unit owner.
Clear master-policy language, deductible responsibility, and unit-owner communication can prevent confusion when a claim occurs. We help boards explain the coverage boundary before it matters.
Ready for a board-level coverage review?
Ready for a board-level coverage review?
Bring your current declarations, claims history, and property details. Our specialists will help your board understand the options and request a tailored association quote.