Westminster Insurance Agency

Westminster Insurance Agency is a leading provider of insurance solutions for Homeowner and Condominium Associations across the country. With over 20 years of experience, we have partnered with industry leaders to offer a comprehensive range of insurance products tailored to meet the unique needs of our clients.

Tailored Coverage

Our team of experts leverages the strength of our partner agencies and select insurance markets to deliver tailored insurance solutions that meet the specific needs of each association. By reviewing the association's governing documents, we can ensure that our insurance programs align with the association's requirements. This results in a personalized insurance program that provides critical protection and peace of mind for our clients.

Comprehensive Coverage

Our comprehensive coverage options include:

• Property Coverage: Our master policy provides coverage for common areas of an association, including community amenities and structures, as well as residential structures when required by the governing documents.
• General Liability Coverage/Hired and Non-Owned Auto Coverage: This coverage addresses the risk of lawsuits and provides protection for the association and its directors and officers.
• Crime Coverage/Employee Dishonesty: This coverage provides financial protection against fraudulent activities, including theft of association funds or other financial misconduct by association board members, volunteers, or employees.
• Excess Umbrella Liability Coverage: This type of policy provides excess coverage over and above the association's general liability policy limit and directors' and officers' policy limit, available in amounts of $5 million to $50 million.
• Directors' and Officers' Liability Coverage: This coverage protects directors and officers of the homeowner association in their performance on the board.
• Workers' Compensation Coverage: This coverage protects employees who work on the premises from the costs of work-related illnesses or injuries and provides protection for the association for any hired labor that cannot provide this coverage on its own.
• Flood Coverage: We can provide coverage for damage caused by floods, which is typically excluded from the association master policy, although it can be endorsed on to a policy at the carrier's discretion or on a separate purchased policy.
• Earthquake Coverage: We can provide coverage for master condominium policies that exclude coverage for earth movement or earthquakes. Endorsements can be added to the policy, or a separate earthquake insurance policy may be available from another outlet.

Simple Process

We believe that insurance should be easy to understand and manage. That's why we offer a simple claims process with dedicated claims advocates to assist in the claims process when needed. We also provide insurance "Fact Sheets" for residents, outlining the association's coverage and recommendations for their policies.