For Condominium Board Directors

Trusted expert advice and tailored condominium coverage

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A winning combination of expert guidance and a specialized insurance program coverage for qualifying condominium properties.

Cowan has been at the forefront of the Condominium Corporation Insurance sector for three decades, partnering with over 1,000 condominium corporations in Ontario to handle long-term condominium insurance responsibilities.

Cowan is a proud member of the Canadian Condominium Institute’s Grand River and Golden Horseshoe chapters. Our seasoned Condominium Insurance team is on hand to offer expert guidance to Board Members and Property Managers on insurance-related decisions that impact their condominium communities. Our team members are frequent presenters at property managers’ educational seminars. Their leadership and expertise are key reasons why condo boards entrust their needs to Cowan.

We offer a specialized insurance program tailored to condominium corporations. Our program provides some of the most comprehensive coverage available in the market. Going beyond the minimum insurance required by the Condominium Act, our program offers peace of mind and protection. Cowan understands that a Condominium Board member volunteers in an increasingly challenging environment. As a board member, you must ensure that the community’s needs are met and that having the correct insurance is paramount. We can help you be sure you have the proper coverage for the condominium and the correct coverage for your role as a board member.

Protection against mistakes in fiduciary duty; failure to comply with regulations, lack of corporate governance and creditor claims can make your role as a board member difficult. As a volunteer, you want to minimize this role’s impact on your life. Directors’ and Officers’ Insurance is critical to your success. Ensure you are protected while protecting the condominium assets. Call Cowan for help navigating challenges.

Meet the Experts

The Cowan Condominium Insurance Team has earned a solid reputation in the community, providing insurance services and professional advice to residential and commercial condominiums in Ontario for over 30 years. With dedicated in-house expertise and long-standing industry relationships, our team of experts is here to analyze your needs and create options for you.

David Outa, BA., CIP, CRM, LCCI

David Outa, BA., CIP, CRM, LCCI

Commercial Account Executive, Condominium Insurance Practice Leader

  • Over two decades of commercial and personal insurance experience
  • Specializing in risk management for the Realty Segment with a focus on Condominium Corporations, Not-For-Profit Entities, and other general commercial exposures
  • BA in Economics from the University of Waterloo; Chartered Insurance Professional (CIP); Canadian Risk Management designation (CRM), Leader of the Canadian Condominium Institute designation (LCCI)
  • Founding member of the Canadian Condominium Institute – Grand River Chapter, and past director of the Canadian Condominium Institute – Golden Horseshoe Chapter
Matthew Duff, CIP

Matthew Duff, CIP

Account Executive, Condominium Corporation Expert

  • 20 Years of property and casualty experience in our Commercial Insurance department, including Condominium Corporations, Small Business Solutions and Claims
  • Commercial Account Executive for our Commercial Condominium Corporation insurance program clients, focusing on risk management to identify exposures and provide insurance solutions that fit their needs
  • Expertise in client advocacy, with an in-depth understanding of the claims process
  • Chartered Insurance Professional (CIP) designation and member of the Canadian Condominium Institute – Grand River Chapter

Dedicated Claims Process Differential

When it comes to claims management, experience matters. From thorough coverage reviews to prompt resolution and advocacy, we are committed to providing you with the support and peace of mind you deserve.

Our Claims Team goes above and beyond to ensure you receive the support and advocacy you deserve. In-house claims experts handle all aspects of claims management, from reporting, coverage review, and tracking to advocacy and resolution, including after-hours support. We are here seven days a week, 24 hours a day, to help you handle your emergency.

Client Testimonials

"David, Matt, and the team were so easy to work with when we had to make a claim."


Our condominium has been a Cowan client for five years. David, Matt, and the team were so easy to work with when we had to make a claim. They were polite, quick, and efficient; I could not have been any happier with the service I received from them. I recommend Cowan Insurance Group for all condo insurance needs.

Sue Gordon | Condo Board Member | WSCC-251

"Our team has worked with the Cowan Insurance Group team for over 25 years."


Our condominium management firm manages more than 100 condominium corporations of varied sizes and ages. We have always been able to rely on the Cowan team to provide us with full-spectrum services, competitive annual insurance coverage, and a professional and timely manner. The Cowan team supports our condominium managers when an insurance claim arises, meets with boards of directors to educate them on their condominium’s insurance package, and is available to continuously share their industry-leading knowledge and expertise with us.

Our team has worked with the Cowan Insurance Group team for over 25 years. They have consistently delivered exceptional service in all aspects of their customer service experience. They exhibit a high degree of expertise and professionalism in their field. They provide clear, timely, and effective communication to us. Hence, we have the information to keep our clients informed and focus on building first-rate working partnerships.

Our interactions with all members of the Cowan team have been positive, and we highly recommend them to anyone looking to work with an insurance broker who exhibits a dedication to excellence in all aspects of their services.

Margot Morel, OLCM, RCM | Vice-President of Business Development & Client Relations | MF Property Management Ltd., OLCMP

"What sets Cowan apart is their unwavering dedication to meeting their clients’ needs."


Being a client of Cowan Insurance Group has been an absolute pleasure. Their commitment to providing exceptional service is truly commendable. From the moment I reached out to inquire about their insurance products or have an inquiry, I have always been treated with professionalism, expertise, and genuine care.

What sets Cowan apart is their unwavering dedication to meeting their clients’ needs. Whether assisting with policy inquiries, providing timely updates, or offering valuable advice to my clients, their team goes above and beyond to ensure complete satisfaction.

I’ve had the pleasure of dealing with various representatives at Cowan over the last ten years, and each interaction has reinforced my trust in their capabilities. Their attention to detail and willingness to tailor solutions to accommodate my clients’ needs have made us continue to want to have our portfolio’s insurance needs managed by Cowan.

In times of need, I’ve experienced firsthand the promptness and efficiency of each claim or inquiry. I wholeheartedly recommend Cowan Insurance Group to anyone seeking reliable, client-focused insurance services. Their dedication to excellence is unmatched, and I am grateful to be a part of their satisfied clientele.

Dawn Gouveia, OLCM, RCM | Director of Business Development / Senior Condominium Manager | Weigel Management

Cowan is also an active member of The Canadian Condominium Institute's Grand River and Golden Horseshoe chapters, and regularly provides educational seminars for property managers and board directors.

Why partner with Cowan Insurance Group?

Expert Advice

A condominium insurance expert will call you directly. Our expert advice means you will speak to the right person the first time.

Custom Coverage

Custom coverage built specifically for you means that Cowan will take the time to learn about your needs and understand your specific business.

Our Promise

Cowan is Canadian-owned and independent. Your satisfaction is the only outcome we accept. Our clients are at the heart of everything we do, and we care about what you care about.