An association risk review looks at the whole insurance program together with your documents, Florida requirements and the community’s real exposures.
What it generally covers
- Property, liability, directors and officers, crime, cyber, workers’ compensation and umbrella
- Deductibles in dollars
- Requirements in your governing documents
Where gaps often hide
- Policies reviewed one at a time with no one looking at the whole
- Valuations that are out of date
- Requirements that changed since the program was last reviewed
Questions worth asking
- What should the board be asking about our program?
- Does our program match our documents?
- What would a major hurricane mean for owners financially?
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General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.