Delray Beach · Palm Beach County · Condominium Association Insurance
We work with condominium associations in Delray Beach — from the oceanfront buildings of the A1A barrier island to the Intracoastal communities and the inland developments near Atlantic Avenue and west Delray — providing independent program reviews, Risk Profile scoring, and carrier access across Palm Beach County.
The Delray Beach Market
Delray Beach has seen significant condominium development over the past three decades, creating a market that spans older 1970s and 1980s coastal buildings — now in full milestone inspection territory — alongside newer Intracoastal and inland construction from the 1990s through 2010s. The variety of building ages and risk profiles means carrier selection requires genuine market knowledge.
East Delray's oceanfront and Intracoastal corridor requires coastal-savvy carrier placement for wind and flood. West Delray's inland communities face different underwriting considerations, with more emphasis on reserve adequacy and SIRS compliance than coastal exposure. The Atlantic Avenue corridor has also generated a newer class of smaller boutique condo developments with their own insurance considerations.
Talk to a SpecialistDelray Beach Communities We Serve
What We Cover
Building structure and common elements at full replacement cost. We access admitted and E&S carriers with appetite for Palm Beach County condominium associations.
Third-party bodily injury and property damage from common areas. Pools, walkways, amenities, and parking structures all create GL exposure that must be properly structured.
Protects board members personally from claims by unit owners, vendors, or the association itself. D&O is not optional for any Florida condominium association.
Required for associations with four or more employees under Florida law. On-site managers, maintenance staff, and security all create WC exposure and personal board member liability under FL Statute 440.
We evaluate NFIP limits vs. private market alternatives and structure the flood program to integrate correctly with the master property policy to eliminate gaps.
Elevator, HVAC, generator, and pool equipment failures are excluded from standard property forms. Essential coverage for any building with aging mechanical systems.
Common Questions
Delray Beach coastal buildings within three miles of the coast require a Phase 1 milestone inspection at age 25. Inland buildings trigger at 30 years. Given the mix of building ages in Delray Beach, some associations are just reaching these thresholds while others have been in compliance territory for years. Carriers require inspection reports before quoting.
Buildings that haven't completed their inspection should prioritize it — it's now a first-order underwriting requirement, not a background compliance issue.
Yes. The Palm Beach County market has softened in 2025–2026. Delray Beach associations with completed SIRS, milestone inspections, strong reserve funding, and clean loss history are seeing 20–40% premium relief versus the hard market peak. Newer buildings (post-2000 construction) with strong documentation packages are particularly well-positioned in the current market.
Older coastal buildings that have completed their inspections and Phase 2 remediation (where required) are also seeing meaningful improvement — the market is rewarding compliance broadly.
Florida Statute 718.111 requires every condominium board to act as a fiduciary in insurance decisions — including obtaining competitive proposals before placing or renewing coverage. An independent marketing report from a licensed broker satisfies this requirement, even if the outcome is to remain with the current agent. It protects board members personally from unit owner claims that the board failed to test the market.
We provide this report at no cost and with no commitment as part of every program review.
Resources
Board Duties
How D&O, fiduciary liability, and FL Statute 718 interact with individual board member exposure.
Coverage Basics
Break down what's inside your master policy — property, GL, D&O, and what unit owners must cover themselves.
Market
Which carriers are writing Palm Beach County condos, which aren't, and how to access admitted and surplus lines today.
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