Hollywood · Broward County · Condominium Association Insurance
We work with condominium associations across Hollywood, Florida — from the beachfront towers along Hollywood Beach to the Intracoastal communities of West Lake and the inland buildings near Young Circle — providing independent program reviews, Risk Profile scoring, and carrier access across South Broward County.
The Hollywood Market
Hollywood Beach's boardwalk corridor concentrates a significant number of oceanfront and near-ocean condominium buildings, most dating to the 1970s and 1980s. These buildings have hit or exceeded their 25-year coastal milestone inspection threshold, and many are also navigating SIRS compliance for the first time. Carrier underwriting for this inventory has tightened considerably in the post-Surfside environment.
Inland Hollywood and the West Lake area feature a different mix — Intracoastal buildings with moderate wind and flood exposure, and suburban mid-rise communities with different underwriting considerations. The South Broward market has improved in 2025–2026 for associations that are prepared, with meaningful premium relief available for well-documented submissions.
Talk to a SpecialistHollywood 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 Broward 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
Hollywood Beach buildings three stories or taller within three miles of the coast require a Phase 1 milestone inspection at age 25 under FL Statute 553.899. Given the concentration of 1970s and 1980s beachfront buildings in Hollywood, most of the city's oceanfront inventory has already hit or passed this threshold. Inland buildings trigger at age 30.
Carriers are now requiring inspection reports before quoting. Buildings without a completed inspection face restricted markets and potential non-renewals.
Yes. The South Broward market has softened meaningfully in 2025–2026. Hollywood associations with completed milestone inspections, current SIRS, good loss history, and updated wind mitigation reports are seeing 20–40% premium relief. The buildings still facing pressure are those that are non-compliant on inspections or have reserve adequacy issues.
If your association is fully compliant and still paying hard-market premiums, that's a signal you may not be reaching the right carriers. That's what we fix.
Yes. Florida Statute 718.111 obligates 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 and protects board members personally, even if the result is to stay with the current agent.
We provide this report at no cost as part of every program review. There is no obligation to change agents or carriers.
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 Broward County condos, which aren't, and how to access admitted and surplus lines today.
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