Protecting your
condo association
from loss.

Condominium Master Policies

Whether it’s a storm that destroys the structure’s roof or a damaged carpet that causes a resident or guest to fall and be injured, condominium associations carry significant property and liability risks. A Condominium Association Master policy from Berlin Insurance provides the protection your association needs.

Property Coverage

A Condo Association Master Policy covers your association against property damage from fire, theft, vandalism, and natural disasters to common areas (lobbies, elevators, fitness centers, pools), structures, and specific content. It can also provide Rental Income, Equipment Breakdown, Sewer and Drain Backup, Employee Crime, and Mobile Equipment coverages.

We can enhance Property policies to cover fine art, antiques, and other high-value items you might use as part of your building’s décor.

If you need Flood insurance, we can also accommodate that request.

Liability Insurance

The policy also provides Liability insurance to protect your condo association should someone get injured in a common area. For example, if a visitor slips and falls in the building lobby, communal hallway, or garage, the Liability insurance portion of the Condo Association Master Policy would cover your legal and medical expenses.

Berlin Insurance will tailor your program to complement your association’s bylaws so there are no gaps in coverage. Each association is unique and has its own specific needs regarding its insurance program. We often find ways to lower your premiums based on deductible selections, coinsurance percentages, and other factors after our review.