With cooperative apartments, both the unit owner and the association require coverage to meet their unique needs. We review the cooperative apartment documents to determine what exposure our client has for rebuilding their apartment after an event that damages the structure.  We then verify with the property manager and the agent for the cooperative apartment associationís master policy that the coverages in the master policy are consistent with the terms of the cooperative apartment documents.

After reviewing findings with the client, we place appropriate coverages for the construction risk, personal property and valuables of the client, and the personal liability exposures that are unique to each client.