Our dedicated team specializes in condo and homeowner association solutions
Not many insurance companies in Hawaii have an entire team of AOAO specialists with years of experience protecting condominiums and community associations across the islands. With offices on Oahu, Maui and Hawaii Island, Atlas finds solutions to cover a wide range of circumstances from water damage losses to uninsured owners’ and renters’ negligence, effectively reducing high premiums and deductible payouts.
Our AOAO team combines the expertise of our claims experts and loss control consultants with A-rated carriers to deliver a competitive price for your insurance program.
We offer decades of industry experience — finding and fixing coverage gaps, ensuring your officers are protected and advocating on your behalf when claims arise.
Because of our broad resources, we have the ability to offer the most economically feasible solutions for all your association needs.
What our clients are saying:
Hawaiki Tower, General Manager
For the past 18 years we’ve been working with Altas Insurance on all the insurance needs for Hawaiki Tower. Ron and his team have always provided timely and professional service, answered all our questions, given recommendations when necessary and been there for us as the insurance markets change. We’ve worked together to implement strategies to minimize claims and loss prevention. Our experience modification factor for our workers’ compensation averages about .80 due to safety meetings implemented at Atlas’ suggestion. We truly value the long-term relationship with Atlas.
Typical insurance coverages for AOAO include but are not limited to:
Flooding is a relatively common and costly natural disaster here in Hawaii, particularly in areas near streams, rivers and beaches. Flood water can destroy walls, floors, equipment, supplies, files and much more.
Almost every organization has auto exposures, even those that do not own any automobiles. The most commonly used form for insuring commercial autos, the Business Auto Coverage Form, covers auto liability, physical damage and no-fault exposures.
Directors & Officers Liability
Directors and Officers Liability coverage insures corporate directors and officers against claims, usually brought by stockholders, alleging loss due to mismanagement. More individuals owning stock and more stringent standards imposed by the courts indicate a growing risk. An outside directorship liability policy is available as supplementary protection to assure sufficient limits for the exposure created when a company's director, officer or employee serves in an outside director position at its request.
Commercial General Liability (CGL)
Commercial General Liability (CGL) insurance covers many of the common liability loss exposures faced by an organization, including its premises, operations, and products.
Commercial Umbrella coverage provides liability coverage that supplements the limits of an insured's General Liability, Automobile Liability and Employers Liability policies.
Whether it is the computers, office furniture, fixtures, equipment, records and office supplies of your small business; the complex machinery of an automated manufacturer; or the office and apartment buildings owned by a large real estate developer, all commercial enterprises use at least some tangible property that is exposed to loss.