At Community Risk Advisors, LLC (CRA), we are not generalists—we are insurance specialists for condos, HOAs, and multi-family communities. Our entire firm is built around one industry: the community association space.
As Certified Risk Managers (CRM) and Certified Insurance Counselors (CIC), our team delivers more than just policies. We provide:
- HOA insurance expertise and responsive customer service
- Smarter risk management strategies and loss control planning
- Consumer education to help boards make informed decisions
- Strong claims advocacy when losses occur
- Access to top-rated insurance markets for community associations
- Competitive insurance premiums based on proactive risk management
We believe that insurance premiums should reflect a community’s effort to reduce risks and control losses. That’s why we partner with associations and boards who share this philosophy.
Meet Our Founder: Allen Hudson, CIC, CRM
Allen Hudson, President and Founder of CRA, has more than 20 years of experience in community association insurance and risk management. His background spans:
- Agency operations and risk management
- Program and captive formation
- Underwriting expertise with community associations
Allen’s leadership and accomplishments include:
- Certified Insurance Counselor (CIC) and Certified Risk Manager (CRM)
- Former faculty member at the National Alliance of Insurance Education & Research (NAIER)
- Recognized as a “Top 40 Under 40” by Business Insurance magazine
- Named a Top 100 Agent/Broker in the U.S. for three consecutive years
- Current Board Member of the Professional Insurance Agents (PIA of VA/DC), where he advocates for consumer protection and the value of independent insurance agents
In 2022, Allen founded Community Risk Advisors with one mission: to create a brokerage designed exclusively for condo and HOA insurance. His long-term goal? To build the nation’s first Community Mutual Insurance Company—owned by and serving the association industry.
Market Conditions
The past few years have been challenging as we all navigated a difficult hard insurance market. Now, with new capital entering the market, communities face both opportunities and risks. Having the right condo and HOA insurance broker is more critical than ever.
At CRA, we leverage market relationships and underwriting knowledge to negotiate the most favorable terms for your association. We also guide boards on smart choices: when to file a claim, when to self-insure, and how to manage long-term risk.
By focusing exclusively on the community association industry, CRA is building a concentrated book of risk. This collective strength gives our client communities greater stability and purchasing power—allowing us to secure lower premiums and stronger coverage.
When you choose CRA, you’re not just hiring a broker, you’re joining a network of educated, proactive community associations. Together, we build leverage, outperform industry benchmarks, and protect the financial health of our members.
We will continue to differentiate ourselves by delivering:
- More comprehensive HOA insurance coverage
- Lower premiums for condo and community associations
- A better, more transparent customer experience
That is our mission—and we look forward to building it with you.