Directors & Officers (D&O) coverage is a liability coverage meant to protect a community’s volunteers and employees from being held personally liable for decisions made in good faith for the association.
Fidelity coverage provides protection for associations in the event of embezzlement/theft of the association’s financial assets by officers, directors, employees, and all others involved in the administration of the association’s funds.
Workers Compensation insurance provides coverage for employees/board members/officers/appointed volunteers of the association in the event that one or more of those parties is injured during duty toward the association.
The liability umbrella policy is meant to provide an extra layer of protection across all liability coverage forms when it comes to an association’s insurance program.
Earthquake coverage is a coverage not provided in the standard fire policy of your association’s insurance coverage. It must be purchased separately, and is a coverage that is both important and complex.
Flood coverage is a coverage not provided in the standard fire policy of your association’s insurance coverage. It must be purchased separately and it is a coverage that is both important and complex.
Business Communication skills.
Infinite possibilities. Endless opportunities.
Providing value to the community association industry by paring superior service with education, product knowledge, industry expertise, and quality of coverage.
Who we are
To say that community associations run in our agency’s DNA would be an understatement. Our specialty in tailoring coverage to the unique needs of communities comes not only from specialized product knowledge, but also from the management and governance of community associations. Our community association team includes former community managers, as well as former and current community association board members. We remain actively involved in industry organizations such as the Community Associations Institute (CAI) and California Association of Community Managers. We love what we do, and the service we provide is uniquely built around the firsthand knowledge of the needs of community managers, boards of directors and the communities as a whole.
Business states are: California, Oregon, Washington, Arizona, Nevada, Texas, New Mexico, Illinois, Oklahoma, Arkansas, Wisconsin, Minnesota, Louisiana
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As a commercial remediation specialist I appreciate how Dan Fernandes took the time to go over the claims adjusting process. Specifically, how that process differs when dealing with privately held commercial real estate owners and those regulated by CC&R's. Thanks!
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Gary G.
6/08/2023
As a commercial remediation specialist I appreciate how Dan Fernandes took the time to go over the claims adjusting process. Specifically, how that process differs when dealing with privately held commercial real estate owners and those regulated by CC&R's. Thanks!
Amanda G.
6/07/2023
I worked with Dan Fernandes at KMI on my auto and renters insurance policies. He explained my current insurance coverage where I was potentially under insured, and how I could afford to protect my family and assets in the event of a loss. He was easy to work with, listened actively, and was a wealth of knowledge. Highly recommend!
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Amanda G.
6/07/2023
I worked with Dan Fernandes at KMI on my auto and renters insurance policies. He explained my current insurance coverage where I was potentially under insured, and how I could afford to protect my family and assets in the event of a loss. He was easy to work with, listened actively, and was a wealth of knowledge. Highly recommend!
Rob M.
11/15/2022
Have gotten great assistance from this company especially recently obtaining proof of insurance for my mortgage company. In particular, the help I recently received from Ms. Monica Vongphosy stood out. Great company to deal with.
Rob Monroe
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Rob M.
11/15/2022
Have gotten great assistance from this company especially recently obtaining proof of insurance for my mortgage company. In particular, the help I recently received from Ms. Monica Vongphosy stood out. Great company to deal with.
Rob Monroe
Jordan S.
7/28/2022
I am writing this yelp review for maha mero who is my agent and is extremely helpful and knowledgeable about the insurances available. She is very professional and easy to work with. She makes sure her clients understand and needs the services she provides. She is conscience and considerate about the clients needs.. I am so appreciative of the excellent customer service she provided to me. She makes sure she provides all of the necessary information to make the process flow and easy to understand.
Please convey to Maha Mero my sincere appreciation for all of her hard work and making sure I knew she was available to answer questions
She deserves to be recognized for all the hard work she has provided to me.
You have a rare gem in your team.
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Jordan S.
7/28/2022
I am writing this yelp review for maha mero who is my agent and is extremely helpful and knowledgeable about the insurances available. She is very professional and easy to work with. She makes sure her clients understand and needs the services she provides. She is conscience and considerate about the clients needs.. I am so appreciative of the excellent customer service she provided to me. She makes sure she provides all of the necessary information to make the process flow and easy to understand.
Please convey to Maha Mero my sincere appreciation for all of her hard work and making sure I knew she was available to answer questions
She deserves to be recognized for all the hard work she has provided to me.
You have a rare gem in your team.
Abraam K.
5/13/2022
Thank you, Maha, for such a professional job you always offer, your great customer service skills, and the amazing consultation you provide in every interaction!
Mahe manages all my insurance policies, and she is a very experienced, knowledgeable, and honest insurance agent!
I've known Maha for many years, and every time I have a concern or a complaint, she is always there to help and get me the best insurance rates on time. Thank you so much, Maha, for everything you do!!
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Abraam K.
5/13/2022
Thank you, Maha, for such a professional job you always offer, your great customer service skills, and the amazing consultation you provide in every interaction!
Mahe manages all my insurance policies, and she is a very experienced, knowledgeable, and honest insurance agent!
I've known Maha for many years, and every time I have a concern or a complaint, she is always there to help and get me the best insurance rates on time. Thank you so much, Maha, for everything you do!!
Eddie T.
4/13/2022
I had a terrible experience with another insurance company. Luckily I got in contact with Chris Gardner and he was prompt to answer all my questions and help set up a proper policy that my business needed. Would highly recommend.
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Eddie T.
4/13/2022
I had a terrible experience with another insurance company. Luckily I got in contact with Chris Gardner and he was prompt to answer all my questions and help set up a proper policy that my business needed. Would highly recommend.
Samantha I.
3/21/2022
Maha is amazing!
She always helps me with all my needs! She is definitely the best insurance agent! My family has been with her for years and she never disappoints me when I request something from her it's always provided to me in a Timely manner!! You rock Maha!!
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Samantha I.
3/21/2022
Maha is amazing!
She always helps me with all my needs! She is definitely the best insurance agent! My family has been with her for years and she never disappoints me when I request something from her it's always provided to me in a Timely manner!! You rock Maha!!
Craig H.
9/13/2021
I am very happy with all of the help I received from Francisco. He was very attentive to all of my details and concerns in getting new insurance, and communicated with me every step of the way. I definitely recommend him and the Kirk Miller Insurance Agency.
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Craig H.
9/13/2021
I am very happy with all of the help I received from Francisco. He was very attentive to all of my details and concerns in getting new insurance, and communicated with me every step of the way. I definitely recommend him and the Kirk Miller Insurance Agency.
Lang C.
7/16/2021
Really great office to work with. They've helped us our numerous times in getting our escrows closed for refinances and purchases as this is one of the main offices that insures HOAs in the San Diego area. Our latest great experience was with Patrick, who helped us out with assisting a mutual customer in insuring her single family home. Not only was Patrick quick to make the changes we need, he also was able to increase our client's coverage without sacrificing their premium. Thanks for all your help Patrick!
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Lang C.
7/16/2021
Really great office to work with. They've helped us our numerous times in getting our escrows closed for refinances and purchases as this is one of the main offices that insures HOAs in the San Diego area. Our latest great experience was with Patrick, who helped us out with assisting a mutual customer in insuring her single family home. Not only was Patrick quick to make the changes we need, he also was able to increase our client's coverage without sacrificing their premium. Thanks for all your help Patrick!
Jana J.
3/26/2021
Robert Gonzales is an amazing insurance rep. I'm a manager and owner at Principle AMC. Robert has always gone above and beyond with his performance. He attends board meetings, writes cover letters and takes calls from board members and homeowners. I rely heavily on KirkMiller because of this. any vendor that can lighten a managers load, and do it effectively is an asset in my book. THANKS for being part of our Team, and hiring people like Robert Gonzalez!
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Jana J.
3/26/2021
Robert Gonzales is an amazing insurance rep. I'm a manager and owner at Principle AMC. Robert has always gone above and beyond with his performance. He attends board meetings, writes cover letters and takes calls from board members and homeowners. I rely heavily on KirkMiller because of this. any vendor that can lighten a managers load, and do it effectively is an asset in my book. THANKS for being part of our Team, and hiring people like Robert Gonzalez!
Steve C.
3/25/2021
Art Hopkins is truly an insurance geek. He knows all the aspects of business and HOA insurance. I am a mortgage lender and have used Art as a referral source for my business clients. He has always impressed my clients with his knowledge and professionalism. In my opinion there is no one better to review an existing policy to see if you have the proper coverage.
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Steve C.
3/25/2021
Art Hopkins is truly an insurance geek. He knows all the aspects of business and HOA insurance. I am a mortgage lender and have used Art as a referral source for my business clients. He has always impressed my clients with his knowledge and professionalism. In my opinion there is no one better to review an existing policy to see if you have the proper coverage.
Mike G.
3/18/2021
We have our condo master policy through them. Zach is very responsive and attentive to any request we need.
thanks for your help!!
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Mike G.
3/18/2021
We have our condo master policy through them. Zach is very responsive and attentive to any request we need.
thanks for your help!!
Veronica C.
3/18/2021
Buying your first home can be super stressful and Janice has helped us so much! Along with having a billion questions Janice was beyond responsive to all of our questions and needs! Highly recommend! Thank you for always going above and beyond do us! I truly appreciate you Janice! I have other friend buying homes and I will be sharing Janice information. Thank you for all of of your help 10/10! Customer is the best of the best!
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Veronica C.
3/18/2021
Buying your first home can be super stressful and Janice has helped us so much! Along with having a billion questions Janice was beyond responsive to all of our questions and needs! Highly recommend! Thank you for always going above and beyond do us! I truly appreciate you Janice! I have other friend buying homes and I will be sharing Janice information. Thank you for all of of your help 10/10! Customer is the best of the best!
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USA
10636 SCRIPPS SUMMIT CT ST#110 SAN DIEGO, CA 92131 CA Lic. #0K05931
858-240-2593
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Contact Info
10755 Scripps Poway Parkway #485,
San Diego, CA 92131
CA Lic. #6008152
