HOA & Association Insurance
Specialized Insurance for Nevada Associations
HOA · Condominium · High-Rise · Business Park Associations
Locally owned. Association focused. Protection designed around you.
Association Insurance Is Our Specialty
At AIM 1nsurance, we specialize in comprehensive insurance solutions tailored specifically to Nevada homeowners associations, condominium communities, high-rise residential towers, and commercial business park associations. As a locally owned Nevada agency, we understand the unique responsibilities, financial exposures, and insurance requirements facing association Boards of Directors and community management professionals. Our specialty is association insurance — not simply selling policies.
Association Types We Serve
Homeowners Associations (HOA)
Planned unit developments and single-family HOAs with common areas, amenities, and shared infrastructure. We ensure your association's property and liability exposures are fully addressed.
Condominium Associations
Condominium communities require specialized coverage that clearly defines the boundary between the association's master policy and individual unit owner coverage. We help boards navigate that complexity.
High-Rise Residential Towers
High-rise properties carry unique structural, liability, and valuation challenges. We work with carriers experienced in multi-story residential towers to build programs that reflect the true exposure.
Commercial Business Park Associations
Business park associations managing shared common areas, parking structures, and commercial infrastructure need coverage that addresses both property and commercial liability. We've got you covered.
Our Approach
We work with a network of 67+ highly rated, financially established insurance carriers to source competitive coverage options and develop customized insurance programs designed to address each association's specific needs. Our approach focuses on securing the appropriate lines of coverage in accordance with applicable Nevada Revised Statutes (NRS), including NRS Chapter 116 where applicable, while carefully evaluating property values, liability exposures, deductibles, and the financial protection of the association.
Key Coverage Areas
Property Insurance
Coverage for the association's buildings, common area structures, and shared property — valued accurately to reflect true replacement cost.
General Liability
Protects the association against bodily injury and property damage claims arising from common areas, amenities, and association-managed activities.
Directors & Officers (D&O)
Protects board members from personal liability arising from decisions made in their capacity as association directors and officers.
Fidelity / Crime Coverage
Covers the association against employee dishonesty, theft of funds, and fraudulent acts — a critical protection for any association managing dues and reserves.
Umbrella / Excess Liability
Provides an additional layer of liability protection above the association's primary general liability limits.
Workers' Compensation
Required for associations with employees — covers medical expenses and lost wages for workers injured on the job.
Nevada Revised Statutes Compliance
Nevada law imposes specific insurance requirements on common-interest communities under NRS Chapter 116. We stay current on these requirements and help association boards maintain compliant coverage programs — so you're protected legally as well as financially.
Let's Build the Right Program for Your Association
Whether you manage a small HOA or a large high-rise community, AIM 1nsurance has the expertise and carrier relationships to build a coverage program that fits. Reach out today for a consultation.