Coverage
Everything we insure, in one place.
As an independent agency, we aren’t tied to one insurance company. Here is the full range of coverage Di Nino Insurance places for associations, property owners, businesses and families.
Community associations
For HOAs, condominium associations, planned developments and townhome communities.
Master property
Buildings, common areas, clubhouses, pools and amenities, insured to replacement cost.
General liability
Injuries to residents, guests and vendors on common property.
Directors & officers (D&O)
Defends the board and the association against claims over board decisions.
Crime & fidelity
Protects reserve and operating funds from theft or embezzlement.
Umbrella & excess liability
Higher liability limits above the primary policies.
Earthquake & flood
Separate policies for the risks a standard master policy leaves out.
Workers’ compensation
For associations with employees or on-site staff.
Equipment breakdown
Elevators, boilers, pumps and other building systems.
Property & real estate
For property managers, landlords and owners of residential and commercial buildings.
Apartments & multifamily
Property and liability for residential rental buildings of any size.
Mixed-use & high-rise
Combined residential and commercial buildings, including mid- and high-rise.
Commercial property
Office, retail and industrial buildings and their contents.
Landlord & rental dwellings
Single-family homes and small units you rent to others.
Property manager E&O
Professional liability for management firms and their staff.
Builder’s risk
Coverage while a building is under construction or renovation.
Loss of rents
Replaces rental income while a covered loss is being repaired.
Commercial umbrella
Extra liability limits across your property portfolio.
Business insurance
Business owner’s policy
Property and liability packaged together for small and mid-size businesses.
General liability
Third-party injury and property damage claims.
Workers’ compensation
Required in California for businesses with employees.
Commercial auto
Owned, hired and non-owned vehicles used for work.
Professional liability (E&O)
Claims that your advice or services caused a financial loss.
Cyber liability
Data breaches, ransomware and the cost of notifying customers.
Employment practices (EPLI)
Claims of wrongful termination, discrimination or harassment.
Contractors & trades
Coverage built to meet licensing and contract requirements.
Homeowners
Your home, belongings and personal liability.
Condo unit owners (HO-6)
Your unit’s interior, belongings and loss assessments from the association.
Renters
Belongings and liability for tenants.
Auto
Cars, trucks and the drivers in your household.
Personal umbrella
An extra layer of liability protection above home and auto.
Earthquake
Stand-alone earthquake coverage for California homes and condos.
Life insurance
Term and permanent coverage to protect the people who depend on you.
Motorcycle, boat & RV
Coverage for the vehicles you use for fun.
Not sure what you need?
Send us your current declarations pages or tell us about the property or business. We’ll recommend coverage that fits.