Toll Free: (888) 729-2237

Insurance companies undertake a detailed underwriting process. To obtain the most favorable rates, below are some factors that they consider:

  • Age of the buildings
  • Size of the buildings/number of units
  • Location
  • Type of construction
  • Loss claim history

Buildings with masonry-type construction and with sprinkler systems generally benefit with the most favorable rates. The loss claim history of your association is also a critical factor in rate determination. Insurance carriers generally have a three to five year “look back” in order to determine your rate. Associations with few claims will benefit with the most favorable rates. Associations with a history of water damage type claims bay be decline by many carriers. We can evaluate what programs your association may be eligible for by a review of your insurance claim history, which can be obtained from your current insurance carrier. It is a simple computer printout of any claim activity experienced over the past 5 years.

Click here to request a copy of your insurance claim history from your current insurance company.

Contact (A Division of Baer Insurance Service, Inc.)
9701 Brader Way
Madison, WI 53562

Office Hours: M-F 7:30am to 5pm
Tel: (608) 830-5800
Toll Free: (888) 729-2237
Fax: (608) 830-5877

This Web site provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable.

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