South Carolina Condominium
Association Insurance Information
Russell-Massey & Company of Columbia, SC offers affordable insurance coverage options for your
South Carolina condominium association. Your insurance policy should be reviewed annually to
guarantee that the coverage meets or exceeds your condominium association's needs, governing
statements, and the owners requirements.
Click on the link below to fill out a secure quote request form for South Carolina condominium
association insurance that will provide your business with excellent insurance protection at an
affordable cost. Or you can speak with our South Carolina condo association insurance specialist
toll free at (800) 849-7475 to discuss the insurance policy features.
We are a Columbia, SC insurance agency offering inexpensive South Carolina
condominium association insurance policy coverage to mid-sized, large, and small
condominiums in the following towns, cities and counties in South Carolina: Chapin,
Arthurtown, Saluda Terrace, Sandwood, Arcadia Lakes, Cayce, Olympia, Forest
Acres, Dentsville, Eau Claire, West Columbia, Springdale, Denny Terrace, Belmont,
St. Andrews, Irmo, Oak Grove, Lexington, Galaxy, Bluff Estates, Hazelwood Acres,
State Park, Haskell Heights, Lincolnshire, Ballentine, Killian, Red Bank, South
Congaree, Edmund, Gilbert, Summit, Gaston, Hopkins, Capitol View, Horrel Hill, Fort
Jackson, Pontiac, Elgin, Blythewood, Camden, Richtex, Whitehall, White Rock,
Sumter, Lugoff, Boykin, Rembert, Hagood, Horatio, Stateburg, Borden, Wedgefield,
Oswego, Gadsden, Fort Motte, St. Matthews, Swansea, Woodford, Winnsboro,
Pelion, Steedman, Samaria, Monetta, Batesburg-Leesville, Stoney Hill, Prosperity,
Newberry, Peak, Little Mountain, Slighs, Pomaria, Jenkinsville, Rion, Winnsboro Mills,
Simpson, Smallwood, Ridgeway, Orangeburg, Lexington County, Fairfield County,
Calhoun County, Sumter County, Kershaw County, Saluda County, and Richland
County, SC. We can also offer cheaper South Carolina condo association insurance
coverage premiums to condo owners throughout the Palmetto state, including in
Florence, Greenville, Spartanburg, Myrtle Beach, and Charleston, SC.

Protects your South Carolina condominium association against claims for personal
injury or property damage arising from the common areas, including the limited common
areas. Each property should be inspected by an insurance professional to determine
adequate amounts of coverage. Condominiums that also have ponds and/or playground
areas may require increased insurance coverage. Liability judgments in excess of the
Association's liability limit can be recovered through a Loss Assessment on the
individual owners, who can generally claim reimbursement under the Loss Assessment
provisions of their individual Owner's policies.
Provides coverage for the physical value (not market value) of all condominium association
buildings, miscellaneous structures and contents.
Provides insurance coverage for negligent acts, errors or omissions by the association's
present or former board members or officers. Common examples of claims include
alleged mismanagement of association affairs, failure to maintain books and records,
failure to enforce rules, regulations and restrictions, and breach of contract. These
policies are generally written on a "claims made" basis, and cover only wrongful acts
reported during the policy period, regardless of when the acts are alleged to have
occurred. Directors and Officers insurance coverage can be an endorsement to the
condominium association's master policy, in which case it has the same limits as the
policy's general liability coverage, or it can be a completely separate policy with a larger
or smaller coverage limit.
Covers losses caused by accident, misfortune or mishap, including loss which
comes by chance or without design, such as that caused by fire, lightning,
windstorm, rain or ice. Flood coverage is underwritten by the Federal Emergency
Management Agency through private companies and covers damage due to rising
surface waters.
Umbrella coverage provides additional liability insurance coverage above all underlying
liability coverage.
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services is only provided for informational purposes. Any decisions regarding your insurance
needs should be discussed with a licensed insurance agent.
South Carolina
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Russell-Massey & Company, Inc.
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SC Condo Association Insurance Solutions!
800-849-7475 toll free
Serving South Carolina Since 1955
Russell-Massey & Co.
1320 Elmwood Avenue
Columbia, SC 29201
Richland County, SC
Toll Free: (800) 849-7475
Office: (803) 779-7854
Fax: (803) 799-6546
Russell-Massey & Co.
409 Lexington Avenue
Chapin, SC 29036
Lexington County, SC
Office: (803) 941-3650
Fax: (803) 941-3654
Richland County & Lexington County, SC