Blanket Building Property
The corporation owns the whole building, so it insures the entire structure to replacement cost on one policy. Insuring to value is the central property decision.
What Co-op Association insurance covers
The full co-op association insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
- Coverage lines
- 9
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Required for every cooperative corporation
Directors & Officers (Co-op Board)
The board approves share transfers and admissions, which invites discrimination claims. D&O defends those corporate governance decisions.
Read the Directors & Officers guideGeneral Liability
The corporation owns the common areas and the sidewalk. Premises injuries in a staffed building are frequent and fall on the corporation.
Read the General Liability guideRecommended
Needed for staff, funds, and warrantability
Workers Compensation
Building staff mean real payroll and injury exposure, sometimes under union terms. Workers comp is core for any staffed cooperative.
Read the Workers Compensation guideFidelity / Crime Bond
The corporation controls maintenance, reserves, and mortgage escrows, so the fidelity limit runs higher than a comparable condo's.
Read the Crime & Fidelity guideEquipment Breakdown
Elevators, boilers, and building systems fail without warning and sit outside standard property coverage.
Situational
Depends on the building and the sponsor
Umbrella / Excess Liability
Recommended once a staffed-building injury or a share-transfer discrimination claim could exceed the primary limit.
Read the Umbrella Insurance guideOrdinance or Law
Important for older cooperative buildings where a rebuild must meet current code well above the insured value.
Sponsor / Unsold-Shares Considerations
Relevant where a sponsor still holds unsold shares, which affects the corporation's finances and its insurance obligations.
Go deeper
Read any line in full
Each coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a quoteWe will build the program around your operation.
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Send us your policy and a licensed advisor benchmarks your co-op association insurance across 60+ carriers, showing the gaps and the savings. If your program is already solid, we'll tell you.
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