Condo Association Insurance/
Master Condo Insurance Policy

Insurance for jointly owned property.

Concklin Insurance Agency provides the habitational industry with customized insurance programs for Condo Associations.  We have contracts with over 40 national and regional carriers and access to the CIBA and CISA award winning habitational programs.

Condo Association Insurance helps bridge the gap between landlord and homeowner by providing coverage for shared spaces, structures, and buildings. The association is responsible for the grounds, common areas & structures, and typically the bare walls structure of the unit buildings, and have liability for accidents that occur in common spaces.  The association bylaws will usually dictate which party is responsible for fixtures within the units.  

Customized Habitational Coverage

Property Insurance provides coverage for common areas, such as hallways, roofs, basements, etc.  Typically there are three options of property coverage for the association's master policy: Bare Walls Coverage, Single Entity Coverage,  or Modified Single entry Coverage.  

General Liability provides coverage for accidents that can occur on the grounds, such as walkways, pools, fitness center, and other shared areas.  This coverage is essential to address potential lawsuits that can follow an incident, including slip and falls and other bodily injuries.

Directors and Officers Liability (D&O) protects the directors and officers of the association if they are sued  as a result of decisions they made while on the board.

Additional Coverage Options

Workers' Compensation protects employees who work on the premises if they are injured or become ill as a result of their job functions.

Crime & Fidelity Insurance provides coverage in the event association funds are stolen, or other financial misconduct by an association board member occurs.

Commercial Umbrella Insurance provides extra security in the event a claim's expenses exceed that of the Property Coverage or General Liability Coverage Policy.  Once these policies have reached their limits, additional expenses would be picked up by the umbrella limits.  Generally these policies provide exceptional coverage increases at a fraction of the cost.


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Craig Concklin

Craig Concklin

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Michael Mormando

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Michael O'Donnell

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Christine Lee

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The Concklin Difference

Family Owned Small Business

We understand small business because we are one. Concklin Insurance Agency was started by Craig Concklin and his father, Tom Concklin in 1981.  We continue to be a family owned, small business to this day.

Independent Insurance Agents

Concklin Insurance Agency has relationships with over 30 insurance carriers.  This means we have options to make sure you have the coverage you need, at the best value - uninterrupted.

Value Added Services

We offer a wide range of value added services including our Client Resource Portal and comprehensive Training and Learning Solutions Portal.

Community Involvement

We understand the importance of community. Which is why we participate in fund raisers, and donate directly to local and national nonprofits.  

Client Advocacy

As Trusted Insurance Advisors we are your advocate for all things insurance. We are here to talk about ways to mitigate your losses, provide insights into the insurance market and trends, and ,should a claim occur, we are in your corner every step of the way.

Referral Program

At the end of every quarter we donate $20 for each referral we receive. If you'd like to learn more about our referral program, or send us a referral - click here.

Additional Resources

Client Portal

We’ve partnered with a reputable company called Zywave to provide this portal. All the content is written by their team of experienced attorneys and professional writers, so you never have to worry about validating information again. Get to know some of the areas of your portal and how its resources can make your day easier. Receive emails announcing new content tailored to your industry, state and preferences as often as you like. And if you have any questions—at any time—feel free to contact your Concklin Insurance Agency representative.


Independent Agents act more like Trusted Advisors. We have your best interests in mind, even after coverage is bound. Like a Trusted Advisor, Independent Agents are your advocate if a claim should occur. Being in your corner means being there every step of the way, from helping you decide if a claim should be filed to talking with claims auditors and adjusters, the wellbeing of our clients is our number one priority.

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Each month we discuss ways you can better equip yourself to handle your risks and exposures.  We bring insights into safety and risk management, answer questions about coverage, and discuss topic relevant to helping you understand your exposures and avoid coverage gaps. We post on average twice per month, with one topic focused on Personal coverage and another topic focused on Commercial & Businesses.