Condominium & Homeowner Associations Master Policies

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Every Association has specific needs that require an in-depth knowledge of coverage options, as well as all the legalities. As a leader in providing protection to shared communities, Culley Insurance Group has the experience to provide a variety of coverage and pricing options.  We help to minimize liability, and be available to the members and the AOAO as needed for every Association.

Tailored to your Association

Culley Insurance Group represents a wide range of carriers on both the Mainland and in Hawaii, that provide coverage options to address all types of Associations. Our master policies are tailored to your association’s individual needs, providing the right amount of coverage to properly ensure common areas, pools, offices, and other amenities.

A huge part of our service to Associations, is to educate the members and also the board, about what the Association insures vs what the members need to insure. We explain how claims work and make sure to have an in-depth understanding of each Association’s by-laws and CC&R’s. So our advice is always in alignment with the specific requirements of the AOAO.

Condo Association Insurance in Hawaii with Culley Insurance Group
Condo Association Insurance in Hawaii with Culley Insurance Group

Protection on Budget with State Laws

We know that budget is a huge concern to every Association. While we do try our very best to work within the budget, we also will make sure the Association is properly protected and will suggest additional policies or increased coverages depending on the needs of the Association. We do not base our proposals off of current premiums or try to ‘beat’ the current premium. We bring extensive knowledge, amazing service, top rated carriers and a positive attitude, in addition to competitive pricing.

For our Hawaii Condo Association AOAOs, we have a comprehensive knowledge of state and municipal issues and laws, (514b) to make sure that communities meet all legal requirements and are sufficiently protected.

We offer the following types of policies for Associations:

  • General Liability
  • Property
  • Equipment Breakdown
  • Bonds
  • Workers Comp
  • Umbrella
  • Flood
  • Hurricane
  • Earthquake
  • Cyber Liability
  • EPLI (Employment Practices Liability)
  • TDI (in Hawaii)
  • Commercial Auto

Whatever the amenities, or location, Culley Insurance Group has the coverage options and dedication for your association.  But most importantly, we have the experience to properly address the numerous complex issues that face condominium associations. We specialize in preserving property values and helping to maintain the peace of mind of residents.

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Elizabeth is so hands-on with her service. I really appreciate the extra steps that she takes to ensure that my family and I get the best possible policy for the most affordable price. I would definitely recommend her to anyone looking for an insurance agent.
Elizabeth is awesome. Her attention to detail is wonderful. She listens to your needs and recommends what would help you best. I am just sorry she is no longer in my area, I have really enjoyed working with her. And I would recommend everyone I know to get with her.
Elizabeth is the best insurance agent in Bend. She truly understands the details of a complex industry and provides her clients with a personalized customer service experience. 5 stars!
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