Pompano Beach · Broward County · Condominium Association Insurance
We work with condominium associations across Pompano Beach — from oceanfront buildings along the Atlantic to Intracoastal and inland communities — providing independent program reviews, Risk Profile scoring, and carrier access for North Broward associations.
The Pompano Beach Market
Pompano Beach's condo market is heavily weighted toward buildings constructed in the 1970s and 1980s — many of which are now at or past the 25-year coastal milestone inspection threshold, or approaching the 30-year inland trigger. This has made inspection compliance a defining underwriting issue for the city's associations.
The good news is that the North Broward market has improved significantly in 2025–2026. Carriers are returning to write Pompano Beach associations that have completed their SIRS, finished milestone inspections, and can demonstrate reserve adequacy. We know which markets have re-entered the North Broward corridor and how to position your building's submission to access them.
Talk to a SpecialistPompano 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 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
Yes — and most of them already should have. Pompano Beach's large inventory of 1970s and 1980s buildings means the majority of the city's associations are past the coastal age-25 or inland age-30 milestone inspection threshold. Under FL Statute 553.899, these buildings must complete a Phase 1 inspection. Carriers now require the inspection report before quoting.
If your association hasn't completed the inspection, that's the single most important thing to address before your next renewal.
Under SB 4-D, every Florida condominium association with buildings three or more stories must complete a Structural Integrity Reserve Study. The first SIRS was due December 31, 2024 and must be renewed every 10 years. Pompano Beach carriers require the SIRS as part of the underwriting submission before quoting property insurance.
Associations without a completed SIRS face significantly restricted carrier options and premium surcharges.
Yes, meaningfully — for associations that are fully documented. The North Broward market has softened in 2025–2026, and Pompano Beach associations with completed SIRS and milestone inspections, clean loss history, and current wind mitigation reports are seeing 20–40% premium relief versus the hard market peak. The opportunity is real but it requires preparation.
We help Pompano Beach boards build the documentation package that unlocks the best available market terms.
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.
Pompano Beach · Get Started
Fill in what you have. We'll follow up within one business day. No carrier appointments to switch. No commitment.