HOA & Property Manager Insurance in Orange & Lake County, FL
Protect your association or portfolio with coverage tailored for condo, townhome, and single‑family communities across Central Florida.
Get HOA & Property Manager QuoteYour Local Partner for HOAs, COAs & Property Managers
Serving Winter Garden, Windermere, Clermont, Minneola, Dr. Phillips and Orlando with fast COIs, lender/management compliance, and storm‑season readiness.
At Premier Group Insurance of Central Florida, we help community associations and third‑party managers balance coverage, deductibles, and budgets. As an independent agency, we compare multiple A‑rated carriers to align with bylaws, management agreements, and lender requirements—so your board can focus on residents, not paperwork.
Who We Serve
From master associations to boutique communities—we’ve got you covered.
Condominium Associations (COAs)
High‑rise and garden‑style condos with shared roofs, elevators, and amenities.
Single‑Family HOAs
Master‑planned communities with parks, signage, retention ponds, and guards.
Townhome & POA Communities
Attached units and common walls with shared roofs and parking areas.
Master Associations
Mixed‑use campuses coordinating sub‑associations, retail pads, and roads.
Professional Property Managers
Third‑party firms overseeing multiple HOAs/COAs with vendor and auto exposures.
Resort / Condo‑Hotel Associations
Amenities‑heavy properties with pools, gyms, clubhouses, docks, and security.
Recommended Coverages
Shared spaces, volunteer boards, and resident funds create unique risks. These protections form a strong core.
General Liability
Helps protect against bodily injury and property damage claims on common areas.
- Premises & operations liability
- Vendors & additional insureds
- Certificates for contracts
Property & Business Owners Policy (BOP)
Bundle GL and property for cost‑efficient protection of buildings and amenities.
- Roofs, structures & signage
- Business income / extra expense
- Equipment breakdown
Directors & Officers (D&O)
Helps protect board members and property managers from claims alleging mismanagement or breach of duty.
- Defense costs & settlements
- Non‑monetary claims (varies)
- Developer transition issues
Crime & Fidelity
Helps address theft of association funds, forgery, and employee/volunteer dishonesty.
- Employee/volunteer theft
- Computer & funds transfer fraud
- ERISA fidelity (when applicable)
Workers’ Comp
Florida‑required benefits for injured employees; valuable for maintenance teams.
- Medical & wage benefits
- Return‑to‑work support
- Meets Florida statutes
Umbrella Liability
Provides an extra layer of protection above GL, auto, and employers liability.
- Higher limits for severe claims
- Often required by contracts
- Pairs with HNOA/auto
Hired & Non‑Owned Auto (HNOA)
Protects the association/manager when staff or volunteers drive personal or rented vehicles for duties.
- Applies to errands & inspections
- Critical for third‑party managers
- Pairs with umbrella
Local Expertise Across Orange & Lake County
We know lender and management company requirements, coastal wind/hail concerns, and seasonal storm preparedness for Central Florida communities.
Winter Garden
Historic and new‑build communities—optimize Property/BOP and D&O for active boards.
- Amenity & signage coverage
- Extended business income
- Quick certificates for vendors
Windermere
Lakefront neighborhoods—consider higher umbrella limits and strict vendor controls.
- Premium amenities & docks
- Crime/fidelity enhancements
- HNOA for on‑site staff
Clermont
Growing corridors—pair BOP with GL and fidelity for dues handling.
- New‑build roof considerations
- Equipment breakdown
- Compliance with lenders
Minneola
Boutique associations—focus on affordable D&O and fidelity with sensible deductibles.
- Essential GL & property
- Volunteer injury concerns
- Simple renewal process
Why Choose Premier Group Insurance?
Local, independent, and responsive—built for board members and busy property managers.
Association‑Specific Expertise
We understand bylaws, reserve studies, management contracts, and lender/management company COI wording common to Florida HOAs and COAs.
Independent & Unbiased
We shop multiple A‑rated carriers to balance limits, deductibles, wind/hail exposures, and premiums to your risk tolerance.
Dedicated Service
One point of contact for quotes, COIs, renewals, and claims—especially valuable during storm season and vendor transitions.
Ready to Protect Your Community?
Partner with Premier Group Insurance of Central Florida for tailored coverage and expert guidance.
Contact Us Get a Quote