The JOHN MANOUGIAN INSURANCE AGENCY, INC., specializes in writing a package program of insurance for community associations including residential and professional office condominiums, cooperatives, and homeowners associations, as well as shopping centers, office buildings, and other commercial risks:

• Property Coverage

• Commercial General Liability Protection

• Low and Large-Limit Umbrella/Excess Liability Coverage

• Directors and Officers Liability Coverage, including Employment
Practices Liability coverage, as well as third-party protection for
an association’s property management firm; a developer coverage
extension is also included for communities in development.

• Employee Dishonesty/Crime (Fidelity) Coverage to protect an
association’s funds, including third-party coverage for community
funds in the care, custody, and control of an association’s
management company.

• Boiler and Machinery/Equipment Breakdown Protection

• Workers Compensation Coverage

• Business Automobile Liability Coverage for communities with
service vehicles

• Flood Coverage for communities in designated flood plains

• Earthquake Coverage

• Performance and Surety Bonds