Whether your association has 500+ units or a small association with a couple units, Statute 718 applies equally for all associations.  We understand how the laws govern associations and help bring insurance solutions for associations more palatable and understandable.  JM Private wants to be your insurance department at your condominium.  We understand the marketplace and will drive long term thinking when making insurance decisions.  Typically Insurance is the largest expense for Condominiums and Homeowner Associations.

Many insurance companies want to write Condominium Associations.  Our job is to match the carrier appetite to the prospective association.  We have the experience in placing large, layered property insurance programs to fit the needs for the sophisticated insurance buyer.

7 out of 10 reviews conducted have shown gaps in policies where an exposure exists and there is no current coverage.  Explaining to the associations the risks and helping the board understand their fiduciary liability to adequately cover the assets of the association is our specialty.

Price is a large driver when making the decision on an insurance program for Associations.  We have saved Condominiums thousands of dollars using our know how and carrier relationships to increase coverage and reduce cost.  JM Risk’s understanding of the insurance marketplace, distribution systems, and coverage helps their clients decide on how to structure their insurance programs and requirements for contractual negotiations.


  • Property
  • Directors and Officers
  • General Liability
  • Ordinance/Law
  • Employee Dishonesty
  • Garage Keepers Legal Liability
  • Workers Compensation
  • Equipment Breakdown
  • Glass Coverage
  • Hired/Non-Owned LIABILITY
  • Difference in Conditions
  • Umbrella
  • Wind
  • Flood
  • Crime