Let us care for
your community.
Whether you’re the president of your condominium owners association (COA), or serve as the property or community manager advising a portfolio of condominiums, providing adequate insurance for your property, board and additional entities is one of the most complex decisions you face. And if you’re representing a coastal property, your insurance needs are likely to be even more intricate.
It’s essential to partner with a specialized risk and insurance team who can bring you the experience and knowledge you need to protect your condo community.
Serving COAs and HOAs is our passion and has been for over 30 years.
Why Choose Valent?
Our clients benefit from working with a risk consultant who understands the real estate industry as both a buyer of insurance and a broker. As a division of EBSCO Industries, a global corporation with a variety of real estate holdings including multi-family and hospitality portfolios, we deploy EBSCO’s knowledge, technology, processes and resources, creating a competitive advantage for our clients.
Kris Kahalley, CIC
VP – Commercial Insurance
Kris Kahalley partners with condominium owners associations (COAs), their board presidents and property management firms to develop specialized risk management and insurance programs. Kris also focuses on coastal condominium communities, bringing over 30 years of experience to advise boards and managers with regard to specific insurance coverages and affiliated services such as safety and loss control. COAs benefit from Kris’ deep working knowledge of their unique risks. He is a native of Mobile, Alabama, and he and his team are based in Valent Group’s Mobile office. In addition to COAs, Kris services a variety of other industries, including construction, healthcare and beyond.

If you’d like to learn more about how we can help you better care for your condo community and related insurance and risk management needs, let’s connect.

Areas of Coverage
Your condominium owners association (COA) insurance program should include consideration of a variety of exposures and risks. The core coverages that most COAs will want to evaluate include (but are not limited to):
General Liability:
Individual Owners Included as Insureds
Property Insurance:
Specialized Deductibles
All-in Endorsement
Backup of Sewer & Drains
Flood Insurance:
Including Excess Flood
Umbrella Liability:
Limits up to $100M
Director's & Officer's (D&O) Liability
Employment Practices Liability
Crime & Fidelity Coverage
Workers' Compensation
You’ll want to work closely with your specialized risk consultant to assess these policies and build a custom program best suited for your association, community, risk tolerance and location. We’ve also provided a variety of educational resources specific to COAs and HOAs to equip you, your team and your board.

Resources to Help You
Manage Your COA/HOA:

Our robust condo loss control guide offers 25+ checklists, forms and policies for common property-related exposures.
Access Our Loss Control Guide


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