Directors & Officers
Directors & Officers (D&O) coverage is a liability coverage meant to protect a community's volunteers and employees from being held personally liable for decisions made in good faith for the association.Read More
Fidelity coverage provides protection for associations in the event of embezzlement/theft of the association's financial assets by officers, directors, employees, and all others involved in the administration of the association's funds.Read More
Workers Compensation insurance provides coverage for employees/board members/officers/appointed volunteers of the association in the event that one or more of those parties is injured during duty toward the association.Read More
The liability umbrella policy is meant to provide an extra layer of protection across all liability coverage forms when it comes to an association's insurance program.Read More
Earthquake coverage is a coverage not provided in the standard fire policy of your association's insurance coverage. It must be purchased separately, and is a coverage that is both important and complex.Read More
Flood coverage is a coverage not provided in the standard fire policy of your association's insurance coverage. It must be purchased separately and it is a coverage that is both important and complex.Read More
Business Communication skills. Infinite possibilities. Endless opportunities.
Providing value to the community association industry by paring superior service with education, product knowledge, industry expertise, and quality of coverage.
Who we are
To say that community associations run in our agency’s DNA would be an understatement. Our specialty in tailoring coverage to the unique needs of communities comes not only from specialized product knowledge, but also from the management and governance of community associations. Our community association team includes former community managers, as well as former and current community association board members. We remain actively involved in industry organizations such as the Community Associations Institute (CAI) and California Association of Community Managers. We love what we do, and the service we provide is uniquely built around the firsthand knowledge of the needs of community managers, boards of directors and the communities as a whole.
Business states are: California, Oregon, Washington, Arizona, Nevada, Texas, New Mexico, Illinois, Oklahoma, Arkansas, Wisconsin, Minnesota, Louisiana
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Kristen MeltonCommercial Insurance Certificate Specialist
I recently spoke to Ian and he provided all the information I needed and more to make a decision on what coverage and company worked better for me and my family . Ian followed up with me as he committed. I would refer him to friend. Thanks Ian for your hard work.
Art Hopkins in the commercial insurance department is a wealth of knowledge and an absolute treasure for the HOA Industry, and most especially for Community Association Managers! He keeps up with the ever changing California legislation affecting HOA's -- you can always count on him to breakdown insurance legalese rhetoric into understandable laymen terms, even assisting with implementation. Any time you contact him, he takes all the time you need to wade through complicated issues. He further goes above and beyond the call of duty in helping HOA's with enforcement of CC&R's and rules in regard to state, county and city laws, thus saving Association Boards from potential lawsuits.
I was referred to Kirk and his agency about 7 years ago and I couldn't praise them more. I've always had a good experience here. They are responsive, receptive, and always have your best interest in mind. The interactions with the employees here are always personal and I don't feel like I'm dealing with a large corporation. Kirk goes out of his way to make sure you are being taken care of. When it comes time to utilize your insurance you will find nothing but ease and peace of mind when maneuvering through the process. We have moved all of our policies over to Kirk, residential, investment, commercial, life, and disability. You won't find a more personable and responsible insurance agent or agency. Thanks for all you do guys! (This review is long overdue and you deserved this way sooner)
10636 SCRIPPS SUMMIT CT ST#110
SAN DIEGO, CA 92131
CA Lic. #0K05931