Choosing an insurance broker is an important decision your board faces, and selecting the right agent can make a positive difference. A thoughtful, well-rounded evaluation may help your board align with someone who understands your community’s needs and delivers lasting value. Here are key factors to keep in mind as you evaluate your options.
Start with Credentials
Look for brokers who hold the CIRMS® (Certified Insurance and Risk Management Specialist) designation. It signals specialized training and expertise and a commitment to staying current with industry standards.
Experience Matters
Seek out brokers with a proven track record of working with community associations, including condominiums, HOAs, and cooperatives. Ask about their portfolio size and the types of communities they serve.
Industry Involvement
Active participation in the Community Associations Institute (CAI) is a strong indicator that a broker is informed on trends, education, and best practices.
Understand Their Service Model
Will you have a dedicated account manager or access to a service center? Confirm the agency offers strong claims management support when you need it most.
Value-Added Services
Top brokers provide more than policies. Look for agents who provide risk management tools like contract reviews, education for boards and managers, coverage analysis, and updates on industry trends.
The best firms also invest in resources that help associations make informed decisions. A broker with a dedicated and experienced personal lines team can help align the association’s policy and individual unit owners’ coverage — helping to ensure gaps are minimized, and everyone is better protected. This type of support can be an added benefit to unit owners looking to properly insure their homes.
Engagement and Access
A great broker is present and involved — willing to attend board and town hall meetings and provide ongoing guidance.
Market Access and References
Ask about the top insurance carriers they represent, and don’t forget to request client references to hear firsthand about their service.
Choosing the right insurance broker is about more than finding a policy — it’s about building a trusted, long-term partnership. Because insurance is not static, your community’s needs can evolve with market conditions, property changes, regulatory shifts, and emerging risks. A strong broker understands those needs, communicates clearly, and provides ongoing guidance so your board can make informed decisions that help protect your community’s financial stability and future.
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