Commercial Insurance
Condo & Homeowners Association Insurance in Indiana
Comprehensive association coverage that protects the community, the board, and every member — from the roof to the parking lot.
Get an HOA QuoteWho We Cover
Condominium associations, homeowners associations (HOAs), planned unit developments (PUDs), townhome associations, and community associations of all sizes operating in Indiana.
Why Specialized Coverage Matters
Homeowners association and condo association insurance is genuinely complex. The board has a fiduciary duty to maintain adequate coverage for common areas, and the D&O exposure from board decisions is significant. Many associations are unknowingly underinsured on their master property policy, leaving individual unit owners exposed. We work with carriers who specialize in community association coverage.
Coverages We Place
- Master Property Insurance (common areas)
- Directors & Officers (D&O) Liability
- General Liability Insurance
- Fidelity / Employee Dishonesty Bond
- Commercial Umbrella
- Flood Insurance (where applicable)
- Equipment Breakdown Coverage
- Workers' Compensation
Common Questions
What does the master policy cover vs. individual unit owners?
The master policy covers common areas, exterior structures, and often original fixtures and finishes within units (depending on the policy type — bare walls vs. all-in). Unit owners should carry an H06 policy to cover their personal property, improvements, and liability inside the unit.
Why does our HOA need D&O coverage?
Board members make decisions that affect all owners — assessments, contract awards, rule enforcement, reserve fund management. If a member sues the board claiming a bad decision, D&O coverage protects the individual board members personally.
Ready to Get Covered?
Tell us about your business and we'll find the right coverage at the right price.
Start a QuoteOr call (317) 800-6201Independent Agency
As an independent agency, we're not tied to any single carrier. We shop multiple markets to find coverage that fits your specific business.
Our CarriersTake the Next Step
Ready to Get Better Coverage at a Better Rate?
Our team shops multiple carriers so you don't have to. Get your personalized quote in minutes.