Built by Community Association Professionals. For Community Associations.
Most insurance agents learn about associations from a product manual. We learned by managing 600+ of them.
The Short Version
Our founding team brings active Florida LCAM licensing, a Florida 2-20 General Lines insurance license, and years of hands-on community association management experience — including overseeing operations for hundreds of condominium, cooperative, and homeowner associations across Florida.
Over those years, we sat through hundreds of board meetings where insurance was on the agenda. And we watched the same thing happen over and over: a board full of intelligent, well-meaning volunteers trying to make a decision about a $150,000 line item that nobody in the room fully understood.
We watched associations discover coverage gaps after a loss — gaps that should have been caught during any competent policy review. We watched boards get blindsided by special assessments because their deductibles were structured wrong for their reserve position. We watched agents disappear between renewals and surface once a year for a signature.
We kept thinking: we know what these boards actually need. We know the questions they should be asking. We know what a policy review should look like when it’s done by people who understand governing documents, reserve studies, and how association budgets actually work.
So we got licensed. And we’re building Common Elements.
This Isn’t a Side Hustle
Common Elements is being built as a specialty agency — not a general practice that happens to take on a few association accounts. Every system, every carrier relationship, every piece of content on this site is designed around the specific needs of community associations.
We've read your governing documents.
Not skimmed them — read them. We know what Section 718 requires for condominium insurance. We know what your declarations say about insurance obligations versus what's actually on your dec pages. Most agents don't check. We will.
We understand your budget cycle.
Insurance isn't just a policy — it's a budget line item that affects assessments, reserve contributions, and your association's financial health. We approach renewals with that context because we've built those budgets ourselves.
We know what happens when a claim goes sideways.
We've been on the management side when a carrier delays, when an adjuster lowballs, when a board doesn't understand their deductible obligation. That experience shapes how we structure coverage — to prevent those situations, not react to them.
We work across the Gulf Coast.
Florida, Georgia, Alabama, Mississippi, and Louisiana. Coastal property insurance requires navigating surplus lines markets, understanding wind/flood layering, and working with carriers who actually want to write in these geographies.
Licenses & Credentials
Insurance Licenses
- Florida 2-20 General Lines (P&C)
- Florida 6-20 Company Adjuster
- FL 1-20 Surplus Lines (in progress)
- Multi-state Gulf Coast licensing (in progress)
Professional Credentials
- Licensed Community Association Manager (LCAM)
- CAM58884, State of Florida
- Community Associations Institute (CAI) Member
Background
- Account Manager, 600+ community associations
- Condominium, cooperative & HOA operations
- Governing doc compliance, reserves & vendor management
Where We Are Right Now
We believe in being straightforward: Common Elements is in pre-launch. We’re in the process of completing our agency registration, finalizing carrier and market access partnerships, and building the infrastructure to serve associations the way they deserve to be served.
We could have rushed this. We could have hung a shingle, bought some leads, and started writing policies next week. But we’ve seen what happens when insurance is done carelessly for associations — and we’re not interested in being another version of that.
When we launch, we’ll be ready. Licensed, appointed, insured, and built specifically for this.
Be Among the First
The first associations on our waitlist will receive a complimentary coverage review when we launch. No cost. No obligation.
Join the Waitlist