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Association Insurance

Ritter Insurance Agency provides customized coverage for residential and commercial associations.

  • Condominium & Townhouse Associations
  • Common Area Associations & Planned Unit Developments
  • Directors & Officers Liability
  • Umbrella/Excess Coverage
  • Workers’ Compensation Coverage
  • Fidelity Bond


Condominium & Townhouse Associations

A Master Building Property and Liability Policy provides coverage for all property the Association is required to insure. In addition, the policy provides liability insurance for all of the Association’s common areas. Your Master Policy will be customized to reflect the Association’s insurance responsibility as is stated in the Association Agreement.


Common Area Associations & Planned Unit Developments

Our Common Area Insurance policies offer comprehensive property & liability coverage that meet the unique requirements of Single Family Homeowner Associations. We will tailor a program with the limit options and the coverage you require.


Directors & Officers Liability

Directors & Officers (D&O) Liability Insurance protects the Association’s Directors & Officers as well as your association from damages (awards and settlements) and the defense costs resulting from wrongful act allegations and lawsuits.


Umbrella/Excess Coverage

Most Association policies provide a liability insurance limit of $1 million for any one loss and $2 million in any one year. This limit is inadequate. Per the Davis-Stirling Act, an association with 100 or less units must carry a $2 million limit per occurrence and an association with over 100 units must carry a $3 million limit per occurrence. We have several Umbrella carriers and limit options.


Workers’ Compensation Coverage

We have access to a Workers’ Compensation Program that has been specifically designed with the needs of Homeowner Associations in mind. Workers’ Compensation extends to coverage to organized volunteer efforts within the community, directors and officers performing work on behalf of the Association, and in the even that a contractor’s own policy has lapsed. It also includes coverage for the “if-any” employee exposure.


Fidelity Bond

A Fidelity Bond, sometimes called “Crime Coverage” or “Employee Dishonesty Coverage”, is designed to protect against theft or embezzlement by employees, directors, management personnel, or others who might have access to Association funds.

Our Locations

Ritter Insurance Agency

2880 N. Tracy Blvd.
Tracy, CA 95376
Main office: 209-835-0776
Fax: 209-835-4224

Hackworth Insurance

2880 N. Tracy Blvd, Ste 2
Tracy, CA 95376
Main office: 650-348-9130
Toll free: 800-894-9224
Fax: 650-348-9135

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.

Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.

Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.

Susan T.