West Palm Beach · Palm Beach County · Condominium Association Insurance
We work with condominium associations in West Palm Beach — from the downtown high-rises and Intracoastal communities along the waterfront to the mid-rise buildings in Palm Beach Lakes and surrounding neighborhoods — providing independent program reviews, Risk Profile scoring, and carrier access for Palm Beach County's county seat.
The West Palm Beach Market
West Palm Beach has seen substantial downtown condo development over the past two decades, creating a mixed inventory that ranges from older Intracoastal buildings dating to the 1970s to new construction towers in the CityPlace and Clematis Street corridors. The Intracoastal Waterway runs along the city's eastern edge, creating flood and moderate wind exposure for waterfront buildings even without direct ocean frontage.
Palm Beach County's admitted and specialty carrier market has improved considerably in 2025–2026, and West Palm Beach's downtown and waterfront associations are well-positioned to benefit. Milestone inspection and SIRS compliance remain the primary gatekeepers to the best available terms — and for the city's older inventory, completing these requirements unlocks access to carriers that weren't writing the market 18 months ago.
Talk to a SpecialistWest Palm 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
Under FL Statute 553.899, West Palm Beach buildings three or more stories within three miles of the coast require a Phase 1 milestone inspection at age 25. Most of the city's Intracoastal waterfront buildings qualify given their proximity to the waterway. Inland buildings trigger at age 30. The SIRS under SB 4-D was due December 31, 2024 for all three-story-plus buildings, and carriers now require it before quoting.
Downtown West Palm Beach's newer high-rise inventory may not have hit inspection thresholds yet, but older Intracoastal and Palm Beach Lakes buildings often have.
Yes. Intracoastal Waterway frontage creates meaningful flood exposure, and most lenders require flood coverage for waterfront buildings regardless of the FEMA flood zone designation. West Palm Beach's Intracoastal buildings should have flood coverage specifically structured for their building's exposure, not just a default NFIP limit added as an afterthought.
We evaluate NFIP limits vs. private market alternatives for every Intracoastal building we work with and structure the program to eliminate gaps.
Yes, significantly. The Palm Beach County market has softened in 2025–2026, with admitted and specialty carriers returning capacity for compliant associations. West Palm Beach buildings with completed SIRS and milestone inspections, clean loss history, and strong reserve documentation are seeing 20–40% premium relief versus the hard market peak.
Newer downtown construction is particularly well-positioned — modern building codes, recent wind mitigation, and compliant reserve studies make for strong submissions in the current market.
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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