Your Association Deserves a Specialist.
Not a Generalist With a Side Gig.
Most insurance agents who work with associations also handle auto, home, life, and commercial policies. Association insurance isn’t their specialty — it’s a line item. We’re building something different.
The Problem
What We’ve Seen From the Inside
After managing operations for hundreds of community associations, our founding team noticed the same patterns playing out at board meetings across the Gulf Coast:
- Boards of intelligent, well-meaning volunteers trying to approve a six-figure insurance budget that nobody in the room fully understood.
- Coverage gaps discovered after a loss — gaps that should have been flagged during any competent policy review.
- Agents who disappeared between renewals and surfaced once a year for a signature.
- Premium increases with no explanation, no alternatives presented, and no breakdown of what changed.
- Governing documents requiring coverage that wasn’t actually on the policy — and nobody checking.
600+
Associations our team has managed
40%+
Average premium increase boards face without explanation
6
Core coverage types most associations need
$1M–2.5M
Typical named storm deductible on a $50M building
Side-by-Side
Generalist Agent vs. Common Elements
This isn’t about any specific company — it’s about the structural difference between a generalist approach and a specialty practice built around community associations.
Focus
Generalist: Handles auto, home, life, commercial, and your association on the side
CEI: 100% community associations — condominiums, cooperatives, and HOAs
Association Knowledge
Generalist: Learns about your association from a product manual
CEI: Team brings LCAM licensing and experience managing 600+ associations
Governing Documents
Generalist: Rarely reads your declaration or bylaws before placing coverage
CEI: Reviews governing documents to ensure coverage aligns with your legal obligations
Market Access
Generalist: May only access admitted carriers — limited options for coastal property
CEI: Will access both admitted and surplus lines markets for competitive options
Renewal Process
Generalist: Sends a one-page summary and asks for a signature
CEI: Side-by-side comparisons with plain-language breakdowns of what changed and why
Claims Support
Generalist: Hands you a carrier's 800 number
CEI: Active involvement in the claims process — our team includes a licensed adjuster
Year-Round Service
Generalist: Surfaces once a year at renewal time
CEI: Ongoing relationship — available when questions come up, not just at renewal
Budget Context
Generalist: Treats insurance as a standalone product
CEI: Understands how insurance fits into your operating budget, reserves, and assessments
What We Bring
Built by People Who’ve Done Your Job
We've Managed Associations
We didn't study community associations from the outside. Our founding team has overseen operations for hundreds of condominiums, cooperatives, and HOAs — building budgets, reviewing governing documents, and sitting through the board meetings where insurance decisions get made.
We Read Your Governing Documents
Your declaration, bylaws, and rules may specify insurance requirements that your current coverage doesn't meet. We'll review those documents as part of every engagement — because coverage gaps start with requirements nobody checked.
We Understand Claims — From Both Sides
Our team includes a Florida 6-20 Licensed Company Adjuster. That means we understand how the claims process works from the carrier's perspective, which shapes how we'll structure coverage to protect your association when losses occur.
We'll Pick Up the Phone
When your building takes a hit at 2 AM during a hurricane, you shouldn't be navigating an automated phone tree. We're building a practice where direct access to your advisor is the baseline, not a premium tier.
We Know the Gulf Coast Market
Florida, Georgia, Alabama, Mississippi, and Louisiana. Coastal property insurance means navigating surplus lines markets, understanding wind/flood layering, and working with carriers who actually want to write in these geographies.
We Believe in Transparency
When we present your renewal, you'll see what changed, why it changed, and what alternatives we explored. No black boxes. No unexplained rate increases. Just clear information so your board can make an informed decision.
“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.”
— The Common Elements Founding Team
Ready for a Different Approach?
Common Elements is currently in pre-launch. Join the waitlist to be among the first associations we serve — including a complimentary coverage review when we launch.
Be First in Line
Join the waitlist to receive a complimentary coverage review when we launch. No cost. No obligation.
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