Your property has many unique insurance needs and exposures to consider. Choosing a knowledgeable and specialized insurance agent is vital to your continued success.

Coldbrook is an independently owned insurance agency which primarily focuses on commercial property related insurance risks. Coldbrook insures over 100,000 residential units and over $1 billion in property values. Our account team has a combined 100 plus years of experience. Coldbrook represents over 100 insurance companies including the top association carriers in the industry. Our agency will offer multiple insurance carrier quotations for prospective clients and on renewal policies.

The insurance companies we represent are financially stable as evidenced by their exceptional rating by insurance carrier rating organizations. Coldbrook is committed to working with the top professional networking groups such as Property Management Association of West Michigan, Community Association Institute of America (CAI), United Condominium Owners of Michigan, National Apartment Institution of West Michigan, and Lakeshore Area Condominium Associations.

Coldbrook Insurance Group is one of the top insurance agencies in Michigan representing over 750 community associations, resorts, hotels, and apartments of various types and sizes.

Target Property Types:

Regardless of the size or type of your property, Coldbrook Insurance Group can structure an insurance program with the right coverages and limits of insurance tailored to your specific needs. Coldbrook has the experience and expertise to offer the most highly competitive pricing and the broadest, most comprehensive coverage available. Following are some of our targeted property types:

Residential Condominium Associations
Seasonal/Secondary Association
Homeowner Associations
Rental Associations
Hotel/Motel Condominiums
Office Condominium
Resort Communities
Timeshare Communities
Cooperative Communities
Apartment Communities

*Includes properties with amenities such as restaurants, bars, golf courses, spas, and other exposures

Program/Coverage Highlights

Following are a variety of optional coverage enhancements:

  • Guaranteed Replacement Cost

    No dollar limitation for buildings, community personal property, and structural glass and signs.

  • Building Ordinance and Law Coverage

    Coverage for additional construction costs associated with local ordinances or laws incurred as a part of a covered loss.

  • All-In Coverage

    Coverage for condominium co-owner improvements, betterments, additions, and alterations made to units.

  • Coverage for condominium co-owner improvements

    Coverage for condominium co-owner improvements.

  • Employee Dishonesty Coverage

    Protects association funds from theft and embezzlement, coverage for the property manager is available.

  • Machinery and Equipment Coverage

    Automatically includes damage caused by explosion of vessels under pressure, mechanical breakdown and power surges.

  • Broadest Directors and Officers Liability Available

    Includes coverage for defense costs arising from a board decision or action that is disputed by another party.

  • Environmental Impairment Liability

    Provides clean-up costs, defense costs and pays for judgments resulting from a newly discovered pollution condition.

Row of homes on a curved street
Other Optional Coverages

Sewer and Drain Back-Up Coverage
Liability Coverage with NO General Aggregate Limit
Commercial Auto Coverage
Workers Compensation – Optional “if any” policies
Liquor Liability – Optional coverage
Excess Umbrella Liability from $1 to $25 million limits

Commitment to Service

Coldbrook Insurance Group is committed to the principles of service, integrity and professionalism. Our goal is to exceed current and prospective clients’ expectations by providing optimal insurance solutions. Coldbrook will work closely with self-managed association boards, property managers, builders, developers, and other independent business owners to insure unparalleled service in the industry.

Examples of our specialty services include:

Prompt response to telephone calls and e-mails
Attendance at Board meetings to address insurance needs
Attendance at Annual meetings to explain insurance coverages
Risk management and loss control support
Board member training available
Coverage comparison of current versus proposed coverage
Exceptional Claims Service including 24 hour claims reporting focused on fast, fair resolution of claims
Personalized, experienced  account team dedicated to your specific needs
Efficient billing procedures
24 hour turnaround on all lender requests

Exceptional Insurance Company Options

Coldbrook Insurance Group currently has 100 direct insurance company appointments enabling our agency to offer multiple insurance carrier quotations for prospective clients and on existing client renewal policies.  Each of the companies we represent are financially stable as evidenced by their exceptional rating by insurance carrier rating organizations.  In addition, we have preferred agent relationships with several insurers which will help us offer you a competitive pricing/coverage advantage.   We are one of a select few agencies in Michigan with access to the largest community association insurer in the United States.   Our exceptional carrier relationships further our commitment to establishing enduring client relationships.

Loss Prevention/Risk Management Support

Every property has unique exposures and hazards. Our goal is to help limit your losses and keep insurance premiums as low as possible. We can assist you in developing the following risk management plans to help reduce the risk of a potential loss:

Ice dam prevention
Frozen sprinkler pipe prevention
Vacant/Unoccupied unit loss prevention
Avoiding sump pump issues
Pool and spa maintenance procedures
Candle safety
Verification of vendor contracts
Slip and fall exposure checklist
Hold harmless agreements for contractors
Sole proprietor statements from contractors
Carbon monoxide and smoke detector recommendations
Winterization procedures for seasonal unit owners

*Many other additional risk management tools available


Coldbrook Insurance Group is committed to continuing to be one of the top insurance agencies in the Midwest for condominium associations, hotels, resorts, and apartments. We are focused on sustaining the profitability of our clients by offering cutting-egde insurance solutions. Our expertise, commitment to exceptional service, response to market trends, and insurance company partnerships will enable us to achieve our vision for the goals of our clients.

What our customers are saying

Fairway Farms Condominium Association

It is my pleasure to recommend to your attention Ryan Osborn. Eight years ago, our Condominium Association embarked on selecting a new insurance agent that most appropriately matched our needs and would provide our Association with a comprehensive selection of insurance products and services. As one can undoubtedly imagine, we had the opportunity to deal with numerous insurance companies. After much review and critical examination, we selected the top four insurance companies to present their product.

In the end, we selected Ryan’s company as our choice for providing insurance coverage for our Condominium community. This selection however, was not made easily and without much serious consideration for one other company. So why did our Board of Directors ultimately prefer Coldbrook Insurance Group over the other insurance companies? The deciding factor was the agent, Ryan Osborn.

From the very first contact with Mr. Osborn, it was apparent he had exceptional ability to relate with the people he would be working with. All of the Board members were impressed with Ryan’s attitude of putting the needs of the client first. Over the past years, Ryan has exhibited a professionalism and dedication in answering questions, providing services, and accommodating any need or concern our Association might have. His extraordinary vitality, conscientiousness, and sincerity has impressed us most.

Throughout our relationship with Mr. Osborn, we have always been provided with great customer service. We are able to get a hold of him when we need him He has always provided a timely response to inquiries and is always available to answer our questions regarding our purchased policy.

In closing, we are most pleased in announcing that Mr. Ryan Osborn is a very fine representative and a tribute to his organization. We have procured the services of a true professional, dedicated to the full commitment of his energies and capabilities.

If you have further questions or desire to speak to me please do not hesitate to contact me at (231) 780-3185


Mitch Zaleski, President
Fairway Farms Condominium Association

Gerow Management Company

Experienced, trustworthy, loyal, friendly are just some of the words I would use to describe Pam Osborn and her team.  I have been in business since 1996 and have been using the Coldbrook Insurance Team since the beginning.  We are so blessed to work with her company and we do not consider her team as a contractor but as a partner in our business.  They always make themselves available to answer all of our questions and if the need arises for them to attend ameeting they do it at the customers schedule, whether is late at night or even a holiday weekend.  When you need insurance you want to feel secure the company you are using has the experience to make sure you have the proper coverage but will also be there at the time of lose, you have that with the Coldbrook Insurance Team.

Scott M. Gerow, President

Gerow Management Company, Inc.

Bayberry Pointe Apartments

Thank you for providing excellent advice, consultation and service regarding all of our insurance needs for the past ten years.  I cannot think of a time or situation where you have not exceeded our needs and expectations.


John Erickson
Bayberry Pointe Apartments
Grand Rapids, Michigan