Riviera Beach · Singer Island · Condominium Association Insurance
We work with condominium associations across Riviera Beach and Singer Island, from the oceanfront towers along Ocean Drive and North Ocean Drive to the mainland associations west of the Intracoastal, providing independent program reviews and carrier access throughout Palm Beach County.
The Riviera Beach and Singer Island Market
Singer Island carries a dense concentration of oceanfront and Intracoastal high-rise condominium towers, much of it built in the 1970s and 1980s with newer luxury construction added more recently. Every building on the island sits inside the three-mile coastal band, so the state milestone inspection triggers at 25 years under FL Statute 553.899, placing the older cohort well past due and into 10-year reinspection cycles. Palm Beach County operates no separate county recertification program, so the milestone stands alone.
The mainland portion of Riviera Beach is a different proposition, with lower-rise associations, different construction eras and materially different wind and surge exposure. The island also sits immediately south of the Lake Worth Inlet, and proximity to an inlet affects how surge behaves locally in ways a general coastal rating does not capture. Marketing an island tower and a mainland association through the same submission package, to the same carriers, produces worse outcomes for both.
Talk to a SpecialistRiviera 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
The state milestone inspection under FL Statute 553.899 at 25 years, since the entire island falls within three miles of the coast. Palm Beach County has no separate county recertification program, unlike Miami-Dade and Broward, so the milestone is the only structural requirement. Most of the island's 1970s and 1980s tower inventory passed that threshold long ago and is now in 10-year reinspection cycles.
Reports file on form EB18-2024, only the preparing engineer can submit them, and repairs must begin within 365 days of a Phase 2 report.
Singer Island sits immediately south of the Lake Worth Inlet, and inlet proximity changes how surge and wave action behave at a specific site in ways that broad coastal rating does not capture. It can affect scour, ground-floor inundation and debris impact. An underwriter who understands the local geography prices it differently from one working off a distance-to-coast field alone.
This is the kind of detail that belongs in the submission rather than left for a carrier to generalise about.
No, and it should not be marketed as though it would. Mainland Riviera Beach associations have different construction eras, lower building heights and materially lower surge exposure than the Singer Island towers. They attract a different set of carriers at different terms. Submitting both through one package to one list of markets produces a worse result for each.
We separate them because carriers read them as separate risks, which is what they are.
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.
Flood
The master policy excludes flood. NFIP vs. private flood, and how the two programs must fit together without gaps.
Compliance
How structural findings and reserve funding ripple into carrier appetite at renewal.
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