Essential Insights on Condo Insurance for Americold Realty Trust Employees: What You Need to Know Before You Buy

Healthcare Provider Update: Healthcare Provider for Americold Realty Trust: Americold Realty Trust does not directly list a specific healthcare provider within the available data. However, it typically offers employee health benefits through common providers affiliated with its health plans. Employees are encouraged to review their benefits package for pertinent details regarding insurance networks and available healthcare providers. Healthcare Cost Increases in 2026: As Americold Realty Trust prepares for 2026, employees should brace for significant increases in healthcare costs. Premiums on Affordable Care Act (ACA) marketplace plans are anticipated to surge, with some states projecting hikes of over 60%. The expiration of enhanced federal subsidies, coupled with rising medical costs and aggressive rate increases from major insurers, may result in employees facing out-of-pocket premiums increasing by over 75%. Understanding these changes will be vital for Americold employees to manage their financial planning effectively in the coming year. Click here to learn more

Americold Realty Trust employees may benefit from understanding how the ownership structure of a condominium unit is different from that of a single-family house. Here’s what you need to know when purchasing insurance for your condo.

1. Understand the Master Policy

For Americold Realty Trust employees worried about condo insurance, since the ownership of all common areas is shared with other condo owners, the association of owners typically purchases insurance coverage (a master policy) for the common areas, e.g., hallways, exterior walls, etc. The condo association’s policy will outline what is covered and what is not.

2. Three Types of Coverage

There are three basic types of coverage under a master policy that those employed at Americold Realty Trust should be aware of.

• Primary buildings and common areas
• Your unit and any items within your unit, other than personal belongings
• Building, unit, and any fixtures

The individual coverage you may consider depends upon the scope of coverage of the master policy. Americold Realty Trust employees should also try to determine what is and isn’t covered under the master policy – this can influence the coverage you may need.

3. Know the Master Policy Deductible

Generally, an association’s master policy has a deductible that is charged pro-rata among unit owners in the event of a claim. Determining that obligation is important because while it may never materialize, it could represent a meaningful financial commitment.

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4. Consider Additional Coverage

Similar to any homeowner, Americold Realty Trust employees will need to make decisions about other coverage options, such as cash value or replacement coverage, adding personal liability coverage, and whether flood insurance may be appropriate.

Several factors will affect the cost of condo insurance, including the insurance coverage provided by the homeowners association. You should consider the amount of your deductible and level of coverage before purchasing a condo insurance policy. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments.