Homeowners Association Insurance

Photo by Ryan McVay/Digital Vision / Getty Images

Photo by Ryan McVay/Digital Vision / Getty Images

PI offers the most comprehensive and cost-effective insurance and risk management programs in the industry. Our Apartment Program features a dedicated claims and risk management team so you can be confident that your claims are supervised by an in-house claims advocate that understands your industry. This program was designed for everyone from the single location owner to the largest property management firms.

Property Insurance

Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, playground equipment, fences, docks, etc.

Types of Property Insurance

  • Buildings owned by Association

  • Swimming Pool Property Coverage

  • Equipment Breakdown Coverage

  • Fences

  • Playground Equipment

  • Signs

Directors & Officers Liability Insurance

The intention of directors & officers insurance is to protect the association from wrongful acts by the association, the Board of Directors, the Officers and certain other volunteers. Association documents require this coverage.


  • Breach of Contract coverage now Included

  • Third Party Harassment and Discrimination Claims Coverage

  • Punitive Damages with Most Favorable Venue included where insurable

  • Lifetime occurrence reporting provision

  • Full Prior Acts coverage

  • Defense Outside Limits of insurance (unlimited)

  • Employment Practices Liability Included for no cost

Commercial General Liability Insurance

Casualty Insurance consists of primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.


  • Assault & Battery (coverage included)

  • Hired & Non-Owned Auto Liability

  • Host Liquor Liability

  • Property Manager Automatically Covered

  • Swimming Pools and Lakes

Other Coverages 

  • Umbrella Liability (Limits to $5,000,000)

  • Umbrella covers over Workers Comp, General Liability, and Directors & Officers Liability

  • Flood

  • Earthquake

  • Business Auto

  • Crime

  • Employee Dishonesty

  • Money & Securities

  • Workers Compensation


Chris Moxley