HABITATIONAL PROGRAM

Our Mission

Our mission at Brown & Brown DC Metro is to provide the highest level of education, knowledge, and specialized solutions for our clients in the habitational industry. Our brokerage philosophy is one of collaboration, by working with our clients in a transparent team environment, we can identify industry specific problems and provide solutions that are relevant, cost effective, and budget friendly. Our process is designed to provide a holistic approach to insurance and risk management by utilizing all of our company’s resources to maximize the value impact delivered to our clients.

Who We Work With

  • Condominium Associations
  • Homeowners Associations
  • Cooperatives
  • Property Management Companies
  • Property Owners
  • Developers

 

Our Services

  • Governing Documents Analysis and other contractual requirements for insurance compliance
  • Full policy analysis
  • Claims Management/Advocacy
  • Strategic Yearly Action Plans
  • On-site safety inspections
  • Educational Insurance Workshops
  • Participate in Board/Committee meetings
  • Expense Analysis Tools
  • Proactive Newsletter support
  • Building Valuation services
  • Access to a library of Risk Management Resources
  • Discounted background checks (carrier partners)

Coverage Highlights

  • Property Manager included as Additional Insured
  • Capacity for large Property values and Umbrella Limits
  • Flexible Earthquake and Flood Limits
  • Various Replacement Costs available: Guaranteed Replacement Cost / Extended Replacement Cost / Agreed Value / Functional Replacement Cost
  • High limits available for Ordinance or Law
  • Boiler and Machinery (Equipment Breakdown)
  • Unit Owners as Additional Insured
  • Business Income (including loss of rental income)
  • Back up of Sewer and Drains
  • Employee/Tenant Discrimination
  • Flexible Crime/Fidelity Limits
  • Industry leading D&O Coverage
  • Hired/non-Owned Automobile
  • “If Any” Workers’ Compensation available