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
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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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I work for a property management company and this agency is my go-to for HOA insurance. HOA insurance can be very complex but Brian makes it seem so easy. He is very professional and explains coverage so effortlessly. I've mainly worked with Brian and Jennifer but everyone I've come in contact with at Kirk Miller Insurance Agency, including Art and Zack, have always been extremely knowledgable, helpful, and friendly. I've never had a bad experience/conversation with anyone in this office. They are fast, efficient, and meet any deadline I throw at them. And I can't forget to mention that their claims service is phenomenal. No one likes dealing with claims but this agency will proactively work with the adjusters to help see through any claim if needed. They also offer personal lines insurance, not just commercial. I've always referred anyone looking for a trustworthy insurance agent to this office and will continue to do so.
The HOA team is stellar! All renewals are processed with plenty of time for Boards to decide with lots of information. Thank you Art, Brian & Jennifer for educating and taking such great care of our insurance policies!
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.
10636 SCRIPPS SUMMIT CT ST#110
SAN DIEGO, CA 92131
CA Lic. #0K05931