Bluehill Insurance has master insurance programs for condominium and homeowners associations throughout Miami and Miami-Dade 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 re-market programs so high-rise and coastal associations are 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 Miami 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, plus general liability, directors and officers, and fidelity/crime, and separate windstorm and flood given Miami’s coastal exposure.
Can you place coverage for a coastal Miami high-rise association?
Yes – coastal high-rise associations are exactly where Bluehill’s specialty market access and windstorm capacity matter most.
How do the SB 4-D reserve and milestone-inspection rules affect us?
They change how Miami associations budget and document building condition, which underwriters now review closely. Bluehill helps boards present their building to get the best available terms.
Get a quote: call (800) 467-4914 or request a quote online.