Condominium master policy
Buildings and common areas
Explore coverageCondominium insurance · Puerto Rico
Protection for your condominium. Clarity for your board.
We help boards and property managers in Puerto Rico evaluate master policies and understand options for protecting buildings, common areas and their community.
- Service in Spanish and English
- Guidance for boards and managers
- Help with renewals and questions
Coverage
Understand what each coverage does
Options, limits, exclusions and deductibles depend on the policy and insurer. A list of hazards does not mean every hazard is automatically covered.
Hurricane, flood and earthquake
Risks that need a specific review
Explore coverageGeneral liability
Claims involving the association
Explore coverageDirectors and officers (D&O)
Board decisions
Explore coverageAlready a client? Find your next step.
For a claim, payment or policy documents, use the appropriate contact. Do not send payments or sensitive documents through this form.
Client serviceReport a loss
Check your policy for the insurer’s claims number and instructions. Notify the insurer as required and keep your claim number. You can call the agency for guidance.
Call the agencyPayments and billing
Verify the recipient and payment portal in your insurer’s documents. Call the agency if you need help identifying the correct channel; do not email card details.
Call the agencyDocuments and renewals
Call or email for guidance on certificates, policy copies or a renewal review. Confirm the appropriate secure channel with the agency before sending documents.
Call the agencyA clear conversation, step by step
Tell us what you need
Share your contact details and condominium name. You do not need to send documents to get started.
Review your situation
We coordinate with you on the information and documents needed to evaluate alternatives.
Understand your options
Discuss limits, deductibles, exclusions and next steps before making a decision.
Contact the agency
(787) 632-9994rg@ciaopr.com
Monday–Friday · 8:30 a.m.–5:30 p.m. · Puerto Rico time
Serving condominiums in Puerto Rico
Let’s talk about your condominium
Fields marked * are required. We will contact you to clarify your inquiry and necessary documents; this form does not generate an automatic quote.
Frequently asked questions
Does the master policy replace my HO-6 insurance?
Not necessarily. An association master policy and a unit owner’s individual insurance have different scopes. Review both policies and condominium documents to identify responsibilities, limits and potential gaps.
Does every policy include flood and earthquake?
No. These risks may need separate policies or endorsements, have special conditions or be excluded. Confirm coverage in writing.
What should I prepare for a review?
Your current policy with endorsements, insured values and condominium documents may help. The agency will explain what is needed and how to share it appropriately.
Does a quote guarantee coverage or financing approval?
No. Policy issuance and terms depend on the insurer. Eligibility for a financing program is determined by the relevant entity or program.