Community Association Insurance that Manages Risk to Insure Your Future
We shop Florida carriers for HOAs, condos, and community association boards to get you the right coverage at the right price. And we pick up the phone 24/7/365 when an emergency claim hits.
About Us
Palm Insurance Management is a Florida-based independent insurance agency specializing in HOA insurance and condo association insurance. We design coverage around how your community actually operates, not a template from a national management firm. And we're available 24/7 if a claim hits.
As an independent agency, we shop multiple A-rated carriers against each other to find HOA and condo boards the right coverage at competitive rates. For free quotes call 1-866-612-1596.
OUR STORY
Four decades. One standard. Florida communities managed the right way.
Introduction
For over 44 years, Condominium Associates has been a trusted partner for HOA, condominium, cooperative, and community association boards across Florida. Our custom-tailored, full-service management helps boards feel more confident and owners more at ease. With our central office in St. Petersburg and additional offices throughout Florida, decision-makers are always close by to resolve matters quickly and effectively.
Our Pledge
Most board members step in to help their community — not to manage audits, interpret legislation, or chase down missing financials. But over time, that's what the role becomes. We step in to take work off your plate and risk off your shoulders. CA brings management structure and process, resulting in three outcomes your board and owners notice:
Our Mission
Our mission is to maximize property values while relieving board members of daily operational burdens. As a strategic partner, we help our clients protect and enhance property values, optimize financial operations for long-term stability, streamline communication among homeowners and board members, and ensure proactive maintenance and facilities management.
Financial Certainty
Clear reporting on the metrics that truly matter. Better-prepared meetings. No fire drills or guessing games. You know the numbers, confidently.
Compliance Relief
Deadlines are tracked. Processes and controls protect the board. In Florida, small misses turn into big problems. We make sure they don't happen in the first place.
Personal Touch
Local partners who know your property, your people, and your market. Not a call center. Not a revolving door of managers. A team that stays.
Free CEU programming and board training events
Full bench of CAM-certified professionals
Multiple offices — local teams in your market
The People Behind Palm
Protecting Florida Communities with Confidence.
Palm Insurance Management is powered by experienced insurance professionals who understand the unique risks facing Florida's condominium associations, homeowners associations, businesses, and homeowners. With more than 15 years of experience in the Florida insurance marketplace, our team has helped clients navigate everything from everyday property claims to major catastrophic losses. As an independent agency, we work directly with multiple A-rated insurance carriers to find coverage that fits your specific needs, not a one-size-fits-all solution. Whether you're reviewing your policy, shopping for better protection, or filing a claim, you'll have direct access to knowledgeable advisors who are committed to responsive service and your peace of mind, 24 hours a day, 7 days a week.
Katie Ciccotelli
President of Property Management, LCAM, CMCA, AMS, PCAM
Diana Goetz
Executive Vice President of Management, LCAM
Manjola "Lola" Kavaric
Executive Vice President of Finance
Doug Jenkins
Director of Learning & Development, DBPR, LCAM
Al Klutts
Vice President
Evan Fox
Commercial Producer
Katie Ciccotelli
President of Property Management, LCAM, CMCA, AMS, PCAM
Diana Goetz
Executive Vice President of Management, LCAM
Manjola "Lola" Kavaric
Executive Vice President of Finance
Doug Jenkins
Director of Learning & Development, DBPR, LCAM
Harry Schoeller
Risk Manger
Brad Terrell
Risk Manger
Katie Ciccotelli
President of Property Management, LCAM, CMCA, AMS, PCAM
Diana Goetz
Executive Vice President of Management, LCAM
Manjola "Lola" Kavaric
Executive Vice President of Finance
Doug Jenkins
Director of Learning & Development, DBPR, LCAM
Brooke Stephany
Account Manager
Lee Holton
Account Manager
Financial Certainty
You know what the numbers say—and why they changed.
- Monthly financials are reconciled and delivered on time
- Variances are explained before meetings—not during them
- Budgets are built with real assumptions, not guesswork
- Board packets are prepared so you walk in ready, not catching up
No more flipping through reports trying to connect the dots.
Compliance Relief
Deadlines are tracked. Processes are documented. Nothing gets missed quietly.
- Required notices and filings are scheduled and verified
- Financials and records are maintained in audit-ready format
- Workflows are documented so decisions are consistent—not improvised
- Your board isn’t relying on memory or last-minute checks
In Florida, small misses turn into big problems. We make sure they don’t happen in the first place.
Insurance Services
Palm Insurance Management is your independent Florida agency for every kind of community association insurance. We're one local team with access to the right carriers, sharing honest guidance.
Community Association Insurance
Community Association Insurance
We specialize in HOA and condo association coverage — from setting realistic budget numbers to 24/7 claim support. We review your association's policies, recommend the right protection, and place every community with stable, A-rated carriers at competitive rates.
Learn More →Free Insurance Consultation
Free Insurance Consultation
If you serve on a community association board, managing risk represents a significant amount of time and dedication on your part. Let us review your insurance to make sure you have the best cost and the proper coverage to get you back up and running in the event of a covered claim.
Get Quote →Contact us for a free quote today!
Palm Insurance guides all your Florida community association insurance coverage needs — one team, one simple call. Get a no-obligation quote today.