Protect your association's common areas, buildings, and amenities from damage or loss due to fire, theft, vandalism, and natural disasters.

We work with all major carriers, including excess & surplus lines, but what sets us apart is exclusive access to program carriers who partner with boutique firms like Pachis & Associates. These specialized programs offer unique advantages not available to large brokerages due to capacity limitations. Our team also understands your state’s Condominium Act, ensuring your association remains compliant.

You can expect a full review of your current coverage and needs. We’ll market your business to our carriers and deliver a clear comparison of your best options—so you can make an informed, confident decision. While mega brokers dominate the market, involving us ensures more competitive terms, whether or not we win the business. Let us support your community on one of its biggest expenses!

Safeguard your association from legal claims arising from accidents, injuries, or property damage occurring in common areas.

We work with all major carriers, including excess & surplus lines, but what sets us apart is exclusive access to program carriers who partner with boutique firms like Pachis & Associates. These specialized programs offer unique advantages not available to large brokerages due to capacity limitations. Our team also understands your state’s Condominium Act, ensuring your association remains compliant.

You can expect a full review of your current coverage and needs. We’ll market your business to our carriers and deliver a clear comparison of your best options—so you can make an informed, confident decision. While mega brokers dominate the market, involving us ensures more competitive terms, whether or not we win the business. Let us support your community on one of its biggest expenses!

Provide coverage for board members against claims related to their decisions and actions taken on behalf of the association.

We work with all major carriers, including excess & surplus lines, but what sets us apart is exclusive access to program carriers who partner with boutique firms like Pachis & Associates. These specialized programs offer unique advantages not available to large brokerages due to capacity limitations. Our team also understands your state’s Condominium Act, ensuring your association remains compliant.

You can expect a full review of your current coverage and needs. We’ll market your business to our carriers and deliver a clear comparison of your best options—so you can make an informed, confident decision. While mega brokers dominate the market, involving us ensures more competitive terms, whether or not we win the business. Let us support your community on one of its biggest expenses!

Umbrella Insurance is extra liability coverage that goes beyond your standard insurance. It helps protect your assets and future income in the event of major claims or lawsuits, covering costs like legal fees, medical bills, and damages that exceed your regular policy limits. It’s a smart safeguard for unexpected, high-cost situations.

Let us help you create a customized insurance plan that meets the specific needs of your apartment buildings and rental properties. Contact us today to learn more about our comprehensive coverage options and how we can help protect your investments.

Provide coverage for employees or contractors working on behalf of the association in case of work-related injuries or illnesses.

We work with all major carriers, including excess & surplus lines, but what sets us apart is exclusive access to program carriers who partner with boutique firms like Pachis & Associates. These specialized programs offer unique advantages not available to large brokerages due to capacity limitations. Our team also understands your state’s Condominium Act, ensuring your association remains compliant.

You can expect a full review of your current coverage and needs. We’ll market your business to our carriers and deliver a clear comparison of your best options—so you can make an informed, confident decision. While mega brokers dominate the market, involving us ensures more competitive terms, whether or not we win the business. Let us support your community on one of its biggest expenses!

Cyber insurance is a type of insurance designed to help businesses mitigate risk exposure by covering costs related to cyber incidents, such as data breaches, ransomware attacks, and network failures.

A business should purchase cyber insurance to protect itself from the financial and operational consequences of cyberattacks, data breaches, and other digital threats. Examples include:

1. Financial Protection

   • Covers costs like legal fees, notification expenses, data recovery, and regulatory fines after a cyber incident.

2. Business Continuity

   • Helps cover lost income and extra expenses if operations are disrupted due to a cyberattack.

3. Reputation Management

   • May include public relations support to help restore customer trust after a breach.

4. Third-Party Liability

   • Protects against lawsuits from customers, partners, or vendors affected by a breach of your systems.

5. Incident Response Support

   • Many policies offer access to cybersecurity experts, legal counsel, and forensic investigators to respond quickly and effectively.

6. Compliance Requirements

   • Some industries require cyber insurance to meet regulatory or contractual obligations.

Crime and fidelity insurance is a type of commercial insurance that covers losses resulting from criminal acts such as employee theft, embezzlement, forgery, fraud, and other dishonest acts.

Businesses purchase crime and fidelity coverage to protect themselves from financial losses caused by dishonest or fraudulent acts, typically committed by employees or third parties. Examples Include:

1. Employee Theft Protection

   • Covers losses if an employee steals money, securities, or property.

2. Third-Party Crime Coverage

   • Can extend to crimes committed by vendors, contractors, or cybercriminals.

3. Fraud and Forgery

   • Protects against check forgery, credit card fraud, and fraudulent electronic funds transfers.

4. Data and Cybercrime

   • Some policies include coverage for computer fraud and social engineering scams.

5. Regulatory and Contractual Compliance

   • Certain industries or contracts may require this coverage as a condition of doing business.

6. Peace of Mind

   • Helps businesses recover financially and maintain trust with clients and stakeholders after a crime-related loss.