Your board has enough to manage. Insurance shouldn't be the hard part.

Palm is a community association insurance leader in Florida that builds coverage to hold up when it matters most. A-rated carriers, annual coverage reviews, and claim help at any hour.

Palm Insurance Management is a Florida leader in community association insurance that serves HOAs, condo associations, and master-planned communities. From budget planning to 24/7 claim assistance, we meet with boards in person to review coverage and make plain-English recommendations. 

Trusted Insurance Guidance for Florida Boards

Insurance is one of the largest annual expenses for many community associations. Choosing the right coverage requires more than comparing premiums. It requires understanding your property's risks, your governing documents, lender requirements, and Florida's evolving insurance landscape.


Palm Insurance Management helps HOA, condo and community boards make informed decisions by providing clear recommendations, responsive service, and access to insurance solutions designed specifically for Florida communities.

We Work With

Condominium Associations

Condominium Associations

Homeowners Associations (HOAs)

Homeowners Associations (HOAs)

Townhome Associations

Townhome Associations

Master-Planned Communities

Master-Planned Communities

Property Management Companies

Property Management Companies

Community Association Boards

Community Association Boards

Some of the Insurance We Offer

Property Coverage

Difference in Conditions

General Liability

Cyber Liability

Fidelity Bond

Directors & Officers

Flood Insurance

Glass Insurance

Workers Compensation

Umbrella Liability

Palm Community Services

  • Annual marketing of all lines of coverage
  • Community Disaster Planning
  • 24/7 claims service
  • Annual budget estimates
  • Annual Community Loss Control Survey
  • Quarterly board meetings as requested

Disaster Planning Prep & Insurance Coverage

Hurricane Season: June 1 - November 30

Step 1: Hurricane Pre-Season Planning

Every community association in Florida should have and distribute to its residents a Hurricane Preparedness Plan. 

Step 2: Building Your Hurricane Preparedness Plan 

A hurricane plan should be reviewed and approved annually by the board of directors before hurricane season. 

Step 3: Executing the Plan When a Storm Forms 

We will make sure that you, your family, and your business has the correct coverage to ensure your safety

Step 4: Post-Storm Safety & Claim Filing 

There's no greater feeling than knowing you are doing all you can to protect your family and at Palm, we strive to help everyone.

Questions Every Florida Association Should Ask

Insurance should never be a last-minute renewal discussion. Regularly reviewing your program can help identify potential issues before they become expensive problems.


Your board should periodically ask:

  • Is our property insured for today's replacement costs?

    Construction costs continue to change. An outdated property valuation can leave an association underinsured when rebuilding after a major loss.

  • Does our liability coverage reflect today's risks?

    Community amenities such as pools, clubhouses, fitness centers, playgrounds, docks, and walking paths may require careful liability planning.

  • Are our board members adequately protected?

    Board members and volunteers make important decisions on behalf of their communities. Directors & Officers Liability Insurance can help protect against certain claims arising from those decisions.

  • Are we prepared before hurricane season begins?

    Annual insurance reviews, updated property values, emergency response planning, and claims preparation can help communities recover more efficiently after severe weather.

  • Do we understand what our master policy covers?

    Every community has different governing documents and insurance responsibilities. Understanding where the association's coverage ends and where an owner's policy begins helps reduce confusion during a claim.

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