Bluehill Insurance has master insurance programs for condominium and homeowners associations in Fort Lauderdale and Broward County. We help boards and property managers meet Florida’s association insurance requirements – full replacement-cost property coverage, general liability, directors and officers (D&O), fidelity/crime, windstorm, and flood – and we re-market your program so the association is not overpaying.
Coverages we place for associations include:
- Building / property at replacement cost
- General liability insurance
- Directors and officers (D&O) liability
- Fidelity / crime
- Equipment breakdown
- Windstorm and flood
Frequently asked questions
What insurance is a Fort Lauderdale condo association required to carry?
Under Florida Statute 718.111(11), a residential association must insure at full replacement cost based on an independent appraisal at least every 36 months, and typically also carries general liability, directors and officers, and fidelity/crime, plus windstorm and flood.
Do you cover D&O for our Fort Lauderdale board?
Yes – directors and officers liability protects board members from claims tied to management decisions and is part of a complete association program.
How do the new structural reserve laws affect our coverage?
SB 4-D and follow-on laws change how associations budget and document building condition, which underwriters increasingly review. Bluehill helps Fort Lauderdale boards present their building well to get better terms.
Get a quote: call (800) 467-4914 or request a quote online.