Most people who join a condo board do it because they care about the building they live in. They're not insurance professionals. They're not attorneys. And in many cases, nobody ever sits down with them to explain what their specific role actually requires — especially when it comes to insurance. This is that conversation.
The Board Roles — What Each One Does
Florida law requires every condominium association to have at least three officers: a president, a secretary, and a treasurer. Most also have a vice president and members at large. Here's a plain-language breakdown of each role.
President
The president runs board meetings, signs contracts on behalf of the association, and makes sure board decisions get carried out. They're the face of the association to outside parties — including carriers, brokers, and attorneys.
On insurance: The president signs the insurance application, authorizes the broker of record, and leads the board vote on coverage at renewal. When a claim happens, the president is the primary contact with the carrier and broker.
Vice President
The VP steps in when the president is unavailable and often takes ownership of specific operational areas assigned by the board — maintenance, vendor relationships, or communications.
On insurance: The VP may be assigned oversight of specific coverage areas or serve as the board's point of contact with the property manager on day-to-day insurance matters. In a claim situation, they often coordinate between the board and the property manager while the president handles the carrier relationship.
Treasurer
The treasurer manages the association's finances — the operating budget, reserve funds, and all money in and out. They sign checks (typically with the president as co-signer) and keep the board financially informed.
On insurance: The treasurer makes sure premiums are budgeted and paid on time. They also manage the reserve funds the association would draw on to cover a deductible after a major loss, and verify that fidelity bonding is in place for everyone handling association money — including the property manager.
Secretary
The secretary keeps the official records of the association — meeting minutes, notices, votes, and governing documents. Those records are the legal history of every decision the board makes.
On insurance: Every board vote related to insurance — carrier selection, coverage changes, broker of record — gets documented by the secretary. They also maintain the record of the association's independent appraisal, which Florida law requires every 36 months. Those minutes are the proof, at renewal and at claim time, that the board did its job.
Members at Large
Members at large don't hold a specific officer title but have full voting rights on all board matters. They're often assigned to committees or specific building projects.
On insurance: Every board member who votes on the insurance program shares responsibility for that decision — including members at large. This is why it matters that every board member understands what they're voting on, not just the president and treasurer.
Where the Insurance Agent Fits In
A specialist broker's job is to make sure the board has what it needs to make good decisions — and to handle the things the board shouldn't have to manage themselves.
Bringing the Full Market to the Board
The board can only choose from the options in front of them. A specialist broker with access to every carrier writing Florida condo associations puts the full market on the table at renewal — not just the two or three carriers a generalist happens to work with. That competition is how boards get the best program for the association.
The Pre-Renewal Review
A good broker doesn't show up at renewal day with a quote. They're sitting with the board 90–120 days out, reviewing whether current limits still reflect replacement cost, whether reserves can cover the deductible, and whether anything has changed that affects the program. This is the conversation that catches problems before a loss exposes them.
Keeping the Board Compliant
Florida law requires an independent appraisal every 36 months — one of the most commonly missed requirements we see. Your broker should be tracking that deadline and flagging it before the window closes. Same goes for fidelity bonding verification and any legislative changes that affect coverage obligations.
Claims Advocacy
When there's a loss, the carrier's adjuster works for the carrier. Your broker works for you. A specialist knows how Florida condo association claims are evaluated, where carriers push back, and how to document the claim to maximize recovery. This is where the relationship matters most — and where a generalist shows their limits fastest.
Educating New Board Members
Board membership turns over. A new president comes in every few years with no insurance background. Your broker should sit down with new officers, walk them through the current program, and answer the questions they don't yet know to ask. An informed board makes better decisions — and that protects everyone in the building.
Free Association Review
Not sure if your board has the right support?
We work exclusively with South Florida condominium associations. If your board has questions about your current coverage, your renewal timeline, or what your broker should be doing for you — we're happy to take a look at no cost and no obligation.
Talk to a SpecialistThe Bottom Line
Every board member has a role. Every role touches insurance in some way. And behind every well-run board is a broker who understands that their job isn't just to deliver a renewal — it's to make sure the people sitting around that table have what they need to protect the building and the people who live in it.
If you're not sure your current broker is doing that, that's worth finding out before your next renewal.
About the Authors
Marcos Gravier
Area Vice President, Condominium Practice. Licensed Florida Insurance Producer serving Broward, Palm Beach, and Miami-Dade County associations.
Adam Betzold
Area Vice President, Condominium Practice. Licensed Florida Insurance Producer with a focus on large and high-rise condominium associations in South Florida.