CONDOMINIUMS · HOAs · COMMUNITY ASSOCIATIONS
Condo & HOA Association Insurance in Ohio
An association’s property, board decisions and shared spaces call for a coordinated review. McKinnon Insurance helps Ohio boards and property managers bring those questions together.
Dover & Navarre offices · Business insurance help across Ohio
Common property
Review association buildings, shared structures and property values. Discuss valuation, deductibles and ordinance or law options where available.
Liability & board decisions
Premises liability and directors and officers liability address different exposures. Review available limits, policy definitions and exclusions rather than assuming one replaces the other.
Funds & responsibilities
Discuss crime or fidelity protection and who handles association funds. Confirm how the policy treats directors, volunteers and any property management company.
Bring the documents that define the responsibility
A useful review starts with current policies, declarations or governing documents, a building and amenity list, valuation information, board details, loss history and renewal dates.
Example: An association’s master property policy and a unit owner’s personal condo policy can have different responsibilities. The governing documents and policy wording should be reviewed together.
Does the master policy replace a unit owner’s policy?
Do not assume so. Unit improvements, personal property, liability, deductibles and assessments need a separate discussion based on the documents and policies involved.
Is the property manager automatically insured?
Do not assume that either. Confirm the policy’s insured definitions, endorsements and the management agreement with your advisor.
Can we discuss higher liability limits?
Yes. Ask how available umbrella or excess options relate to the underlying policies, including any exclusions or gaps.
Work with Aaron and the McKinnon team
Aaron Mast leads our commercial operations. Our agency has earned Farmers Elite Commercial recognition and helps business owners review Farmers and other available agency markets.
Your next step
Use the commercial review form above or start a detailed business quote request. Our team follows up to gather the information needed to review options.
Coverage, limits, exclusions and eligibility vary by insurer and policy. An online request does not provide an instant price or bind coverage.
Farmers industry coverage information provides general product context; it does not confirm eligibility or coverage for your business.