About The Live Oak Insurance Agency

The Live Oak Insurance Agency stands as a trusted independent insurance partner, dedicated to providing comprehensive and tailored insurance solutions for community associations across the southeastern United States. Based on the historic and picturesque St. Simons Island, Georgia, our agency focuses specifically on the unique insurance needs of condominium and homeowners associations.

As an independent agency, we are not tied to any single insurance carrier. This independence allows us the flexibility to thoroughly assess the diverse marketplace and identify the insurance providers best suited to meet the specific requirements of each association we serve. We work diligently to understand the nuances of your community, taking into account factors such as the age and construction of buildings, common area amenities, geographical location, and the specific concerns of your members.

We offer a comprehensive suite of insurance products designed to protect your association, including but not limited to:

• Property Insurance: Covering damage to buildings, common areas, and other association-owned property.

• General Liability Insurance: Protecting the association against claims of bodily injury or property damage occurring on association property.

• Directors & Officers (D&O) Liability Insurance: Providing coverage for the board members and officers of the association against claims arising from their duties.

• Crime Insurance: Protecting against financial losses due to theft, embezzlement, or other fraudulent activities.

• Umbrella/Excess Liability Insurance: Offering an additional layer of protection above the limits of other liability policies.

• Flood Insurance: Providing coverage for flood damage, which is often excluded from standard property insurance policies.

• Workers' Compensation Insurance: Covering employees of the association in case of work-related injuries.

Our commitment extends beyond simply providing insurance policies. We strive to be a valuable resource for the associations we partner with. We offer guidance on risk management best practices, assist with claims processing, and regularly review and update coverage to ensure it continues to meet the evolving needs of your community.

While our physical office is located on the beautiful St. Simons Island, our reach extends throughout the southeastern United States. We are proud to serve associations in Georgia, Florida, South Carolina, and beyond. We leverage technology and a client-focused approach to provide efficient and personalized service, regardless of your location.

At The Live Oak Insurance Agency, we believe in building long-term relationships based on trust, transparency, and a genuine commitment to protecting the interests of the community associations we serve. We are dedicated to providing expert guidance and comprehensive insurance solutions, allowing your association board and members to focus on fostering a thriving and well-maintained community. Contact us today to learn how we can help safeguard your association's future.