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Boards & Associations
Understand coverage, deductible exposure, exclusions, valuation, D&O structure, and the total cost of risk before the board votes.
Explore HOA & condo solutions →Exclusive community association program · Summer 2026
Lower catastrophic deductible exposure. Broader protection. A cleaner renewal process.
Rothberg Specialty works for the association and its board. We compare the current program against specialized markets, run parallel to the existing renewal, and give decision-makers a clear coverage-and-cost alternative.
Licensed in 48 states. Summer 2026 results from seven Texas associations. AM Best A rated or better carrier paper on every placement.
$756,886+Documented annual savings across six associations, plus $100K+ at Forney
52%Deepest documented premium reduction
7Texas association case studies—Summer 2026
AM Best ARated or better carrier paper on every placement
Built around your role
Specialized help for every point in the community lifecycle.
Choose the path that best matches your responsibility and the decision in front of you.
M
Community Managers
Run a complete insurance review in parallel with the incumbent process while Rothberg handles submission strategy and board presentation support.
See the manager process →D
Developers
Coordinate land, construction, controlled-association, turnover, and permanent master-program risks rather than treating each phase in isolation.
Explore developer solutions →The management company is a valued partner in the process. Our accountability runs to the board and the association that engaged us.
We work for the association—not the property management firm.
It is a disciplined comparison of coverage, deductibles, exclusions, limits, carrier structure, and total financial exposure.
Exclusive community-association programOne program can follow the community from raw land through the developer-controlled board, turnover, and homeowner control.
Zero disruptionThe review runs parallel to the existing renewal. Nothing cancels, and Rothberg handles the market work.
Wind and hail differentiationPercentage deductibles can create major balance-sheet exposure. We focus on eliminating, reducing, or restructuring the buy-down.
Coverage lines added—not droppedThe Summer 2026 results were not produced by thinning the insurance program. Material gaps were corrected while documented savings were achieved.
Direct leadership involvementBoards, managers, and developers have access to senior decision-makers throughout review, negotiation, and placement.
Summer 2026 Texas results
Seven association case studies. Real carrier paper.
Every published figure is tied to the underlying placement. The documented savings were accompanied by added, broadened, or restructured protection—not thinner limits.
Biggest reduction to date
DFW master-planned community
$942,215$450,874
$491,341
52% saved
Three property placements consolidated into one $194.6M total-insurable-value program. Wind and hail improved from 4%/$250K to 3%/$100K.
Read the complete case →Highest percentage — renewal displacement
Irving, Texas
$70,602$40,306
$30,296
42.9% saved
1,248 units—$24.28 per home per year. The general-liability carrier improved from A−(VIII) to A++(XV) with 50% more aggregate.
Read the complete case →Coverage broadened
Fredericksburg, Texas
$106,947$62,869
$44,078
41% saved
Equipment breakdown and workers compensation were added—two lines that had been missing from the program entirely.
Read the complete case →Wind restructure
Coastal Texas master community
$12,451$7,438
$5,012
40.3% saved
Wind exposure was cut 78%, D&O defense costs moved outside the limit, and all six boat docks were rated.
Read the complete case →Largest dollar savings — portfolio
North Texas ranch community
$535,553$398,198
$137,354
25.6% saved
$85M+ total insurable value. The policy-wide wind deductible was restructured to per-building, with a 54% reduction on the buy-down line.
Read the complete case →Six carriers to one tower
East Texas gated community
$335,663$286,859
$48,804
14.5% saved
1,800 lots. D&O cost fell 23.5% with two matters already open, and EPLI moved to its own $1M limit.
Read the complete case →Structural gaps closed
Forney, Texas
$100K+
Below incumbent
$39.5M total insurable value. A policy-wide wind deductible and blanket water exclusion had left hidden exposure; both were corrected for less.
Read the complete case →Every account
Lines added, not dropped.
None of these results came from cutting coverage. Lower premium with thinner limits is not savings—it is a loss the association has not taken yet.
Case-study figures reflect documented results for the referenced client communities during Summer 2026. Individual results vary by community, exposure, loss history, market conditions, and coverage selected. Past results do not guarantee future pricing.
More than property premium
A coordinated association insurance stack.
Every coverage has a job. The review focuses on how the pieces respond together when a loss, claim, lawsuit, or catastrophe occurs.
Property & catastrophe
Valuation, coinsurance, replacement cost, ordinance or law, equipment breakdown, flood, earthquake, wind, hail, hurricane, and wildfire.
General liability
Premises, operations, amenities, events, pools, docks, contractual risk transfer, and coordination with umbrella or excess liability.
Directors & officers
Board, committee, management-company, employment, discrimination, defense-cost, and choice-of-counsel considerations.
Crime & fidelity
Association funds, employee theft, social engineering, computer fraud, and management-company handling of association assets.
Cyber & privacy
Network incidents, data compromise, funds-transfer fraud, notification expense, vendor dependence, and incident-response support.
Workers compensation
Employees, uninsured labor, volunteers, independent-contractor disputes, statutory requirements, and employer’s liability.
A cleaner renewal process
Four steps from existing policy to board-ready decision.
Rothberg Specialty can work alongside the current renewal process so the manager and board receive a true comparison without surrendering control.
Collect
Current policies, statement of values, loss runs, governing-document insurance language, and the renewal timeline.
Analyze
Coverage gaps, deductible mechanics, exclusions, valuation, layering, and policy coordination.
Market
A structured submission directed to appropriate carriers, wholesalers, programs, and alternative deductible solutions.
Present
A concise comparison of premium, protection, retained risk, conditions, and implementation considerations.
National reach, focused execution
Licensed broadly. Active where our expertise is most useful.
Rothberg Specialty is licensed in 48 states and has completed client work in more than 34. The 16-state core-market strategy identifies current concentration—not the limit of licensing availability.
Catastrophe exposure translated
A 3% deductible is not “three percent of the claim.”
Depending on policy language, it can apply to the value of each affected building or location. Boards deserve to see that exposure in actual dollars before renewal.
Use the deductible calculatorDirect access
Senior leadership stays close to the work.
Complex placements move faster when the people responsible for strategy are accessible to the client.
Board Wise by Rothberg Specialty
Make the insurance decision easier to understand.
Practical briefings for boards, managers, developers, and advisors who need to turn policy language into defensible business decisions.
Lender requirements
Fannie Mae condominium review and insurance changes
A dated implementation guide to the 2026 and 2027 project-review, reserve, roof, and deductible changes.
Read the briefing →Board protection
What community-association D&O is designed to do
How defense, insured-person, management-company, employment, discrimination, and counsel provisions can materially differ.
Read the guide →Coverage architecture
The community-association insurance stack
A plain-English map of the policies that can protect buildings, operations, decisions, money, people, and data.
Read the guide →Frequently asked questions
What boards and managers usually ask first.
Does a Rothberg review interfere with our incumbent broker?
No. The review can run in parallel with the current renewal. The association decides what information it authorizes and whether it wants to proceed with an alternative.
Can you guarantee a lower premium?
No responsible insurance professional can guarantee an underwriting result. The objective is a clear comparison of premium, coverage, deductibles, exclusions, and retained risk. Some of the most valuable outcomes are coverage corrections rather than price reductions.
How early should we begin?
Complex associations generally benefit from starting well before renewal so there is time to gather data, clarify valuations, address underwriting questions, and compare options without deadline pressure.
Do you work with the management company?
Yes. The process is designed to reduce unnecessary manager workload and give both the manager and board a usable decision package.
Can Rothberg review governing-document insurance language?
Rothberg can provide insurance-risk observations to the association, developer, and their legal counsel. Governing-document interpretation and drafting should be handled by qualified legal counsel.
Start with the renewal date
Request a complimentary policy review.
Tell us who you represent, where the risk is located, and what concern brought you here. We will respond with the information needed for an informed review.