Habitational Risk & Condominium Association Insurance

condos and habitational housing

Managing a commercial residential property or a condominium association is complex, we build customized insurance programs to meet the unique needs of landlords and condo associations in Connecticut and across the United States.

Our unique approach to managing habitational and condo association insurance will help you protect your assets so you can focus on building your community and managing your properties. We concentrate on minimizing the costs and unique risks associated with operating condominium associations and commercial residential properties.

We own several older rental properties located on one parcel of land. The properties represent often complex issues in insurance because of zoning, age, type of property and such. We’ve been clients of The Bakker Agency for many, many years. Never has there been an issue around their ability to manage these complex issues well, professionally, efficiently, cost-effectively, and in a timely fashion. We’ve never had a complaint about premium costs, the types of coverage or the way in which claims have been handled. We’re delighted with the service we’ve received, and are happy to unreservedly recommend The Bakker Agency.

Sharon Gowen

Peter Bakker has the experience to assist you with your insurance needs.
While all condominium associations have unique coverage needs, there are several important coverages to consider:

General Liability

Provides broad coverage for the kinds of accidents that can occur at your complex

Property Coverage

Provides protection against covered perils for the common areas of the building like the roof, elevator, basement, courtyards, or walkways

Ordinance & Law Coverage

Protects you against changes in codes, laws and ordinances in your town that need to be addressed in the event of a loss

Directors & Officers Coverage

Protects directors and officers of the condo association if they are sued as a result of their performance on the board

Back Up of Sewer or Drains, or Sump Overflow

Provides reimbursement for damage related to a sewer or drain backup


Provides coverage for the theft of association funds or for other financial misconduct by an association board member

Equipment Breakdown

Covers damage and loss of income caused by a breakdown of covered equipment

Workers Compensation

Protects employees who work on the premises from the costs of work-related illnesses or injuries

home heath senior care

Home Health & Hospice Insurance

We provide customized insurance programs to meet the unique needs of home health care, companion care, hospice, and other home health care providers across the United States. Caring for ailing and vulnerable people in their homes isn’t easy – with so much to focus on (and worry about) its critical to work with an insurance broker who truly understands your business and all that you must protect.

The Peter Bakker Agency understands the unique demands and risks associated with operating a home health care or hospice business. We focus on minimizing the costs and risks associated with operating these critical organizations so that you can focus on what’s most important – providing care and companionship to beloved members of our families and communities. The proper Home Health Care and Hospice Insurance Program will protect you, your employees and your business from accidents, allegations and errors that are often commonplace in your industry.

While all Home Health and Hospice programs are tailored to the individual, there are several critical coverages to consider:

General Liability

Coverage for third party claims of bodily injury and property damage

Workers Compensation

A legal requirement protecting you and your employees if they become injured while working

Commercial Auto

Autos used for business purposes must have a commercial lines auto policy with hired non-owned auto

Abuse & Molestation

Provides protection in the event a client alleges any form of abuse, including sexual abuse


Protects a business if a client alleges that an employee or independent contractor acted dishonestly, committed forgery, fraud or more

Professional Liability

A critical policy covering an abundance of risks associated with the hole health care industry

construction contractors

Construction Companies and Contractors

Serving construction businesses and contractors in Connecticut and across the United States, we can help you meet your state’s requirements and ensure you have the coverage needed to protect your business from lawsuits, injuries, and theft.

We offer construction and surety bonds, property, inland marine, auto, liability, workers compensation, builders risk, professional and pollution coverage options.