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PRODUCTS & PROGRAMS

FS Insurance Brokers’ objective is to utilize our relationships with highly rated insurance carriers to provide programs and products for all FirstService Residential managed communities.

FS Insurance Brokers, a subsidiary of FirstService Financial, focuses on aggregating the purchasing power of more than 7,500 associations, representing over 1.6 million homes and $140 billion in insurable value throughout North America. This significant cross section of homeowner associations, condominium associations, and co-operatives across varying geographies allows us to develop unique programs and proprietary insurance offerings that reduce cost and enhance coverage levels for our clients.

Value Add

  • Dedicated in-house underwriting team
  • Coverage enhancements and long term pricing stability
  • Expertise in Community Association insurance placements
  • Strong relationships with A rated carriers

Insurance Programs:

Extensive industry experience and strong relationships with top insurance carriers enables FS Insurance Brokers to design, negotiate, and implement many unique, regional property programs. By utilizing data that demonstrates better-than-market long term claims experience within the FirstService Residential portfolio, we are able to favorably impact the underwriting process to allow for enhanced coverages on these programs while still maintaining competitive pricing.

FS Insurance Brokers also provides training and educational opportunities to FirstService Residential. Through these programs, we are able to reinforce loss prevention and mitigation as a part of their daily property management routine.

Insurance Products:

FS Insurance Brokers also offers insurance products to FirstService Residential managed properties provided by our in-house underwriting team or through a highly rated carrier.  Coverage has been specifically designed to meet the needs of our clients.  Our current enhanced products offered include:

Crime/Fidelity:

Provides protection against the theft of association funds, and against employee dishonesty, fraud, forgery and electronic theft.

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Workers’ Compensation:

Provides “if any” workers’ compensation coverage for all Board members, committee members, and volunteers working on behalf of the association. The programs also provides coverage to manage the association’s risk and comply with regulatory requirements.

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Directors and Officers Liability:

Provides coverage with enhancements to protect the duly elected or appointed directors, officers, or members of duly constituted committees for claims brought against them alleging wrongful acts while performing in the capacity of their respective positions. This program also offers protection to the association in the event of claims asserted against it as an entity.

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