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7310 Manchaca Road, #151703, Austin, TX 78745 844.843.ICRG (4274)
Intelligent Capital Reserve Group | ICRG

Intelligent Capital Reserve Group

Building financially strong communities by helping HOA and condo boards optimize how they allocate community capital.

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ICRG provides commercial insurance and capital reserve saving services designed to protect and grow association assets and enhance capital efficiency. Leveraging deep industry expertise and a disciplined, systematic approach, we simplify complex decisions for board members and implement the board's decisions end‑to‑end—so you can act with clarity, confidence, and turn‑key execution.

Welcome to ICRG

Intelligent Capital Reserve Group, (ICRG) is an insurance agency that specializes in services for community associations, developers, and construction companies. Associations are our primary customer.

Our unique value proposition offers convenient time-saving services that streamline the insurance, reserve planning, and capital savings responsibilities of association boards. We also work with developers, pre-transition.

We know how to navigate the challenges association boards face when it comes to handling your association’s most important financial decisions like insurance and what to do with reserve fund savings. Experience has taught us the best ways to successfully meet these challenges, and we share those best practices with our community clients.

Beyond insurance, our end-to-end services empower board members with tailored guidance and ready-to-implement savings solutions delivered directly to your board meetings. While our administrative services and reserve study management tools deliver unparalleled efficiency that allow you to address your community’s financial service needs in just a few decisions.

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We deliver what board members need most: helpful tools and actionable solutions

Who We Serve

01

Homeowners Associations

02

Condo Associations

03

Master Plan Developments

04

Garden and Townhome Associations

05

Real Estate Developers

06

High Rise Developers

07

Construction Companies

08

Golf Courses

Our Association Offerings

Solutions to the problems of every association.

Seamless Service. Smarter Insurance Decisions.

Administrative Support

Administrative Support

Our back office administrative support is designed to simplify the way your board shops for insurance, manages documentation, and gets answers—quickly and accurately.

TIMELY UPDATES

Account Level Reports

Reserve Study & Account Level Reports

Receive a consolidated statement of your association's accounts directly in your inbox each month.

FINANCIAL HEALTH

Analysis Tools

Reserve Study Analysis Tools

Monitor your association's financial health by tracking reserve replacement expenses and savings in a single view.

MAXIMUM RETURNS

Strategic Saving

Strategic Saving

Turn dormant reserves into revenue-generating assets through strategic savings programs designed for associations.

COMPLETE CONFIDENCE

Insurance Reviews

Comprehensive Insurance

Our insurance expertise spans standard needs and unique exposures others overlook, giving complete confidence.

SECURE STORAGE

File Management

Cloud-Based File Management

Streamline record management with cloud-based storage solutions for easy document access and collaborative review.

Construction & Developer Offerings

ICRG proudly supports the visionary businesses that build and support America’s community associations. Construction and development companies can find a broad selection of professional coverage options for each stage of the development process, from insuring raw land pre-development, through the finished project, and on to insure the association after the board transition. ICRG is a turn-key insurance platform with personalized agent services, designed to keep America’s construction industry building.

Construction site and planning

Builders Risk Insurance

Builder’s risk insurance protects your buildings, structures, and materials on-site during construction or major renovations from unforeseen events before the project is completed, your ICRG agent can help you tailor your coverage to meet the demands of your project.

Blueprint and tools

Commercial Property Insurance

At ICRG, we work closely with several of the nation’s top commercial insurance brokers to deliver comprehensive commercial property insurance solutions tailored to your business or project.

Heavy construction equipment

Equipment Insurance

Protect your essential machinery with our comprehensive equipment insurance designed to cover unexpected damages.

Commercial property building

In-Depth Property Insurance

Our property insurance ensures that your assets are well protected against any unforeseen circumstances.

Shipping logistics truck

Transit and Shipping Insurance

Moving equipment and materials to the jobsite pose significant risks for construction companies. We'have coverage lines to protect your load in transit and from theft in transit, covering your shipments at every stage.

Beautiful golf course

Golf & Country Club

A program with the right approach so your risks are covered right down the middle. Our nationwide Golf and Country Club insurance program off is built specifically to protect private and semi-private golf and country clubs. Through our relationship with RPS insurance brokerage, ICRG offers comprehensive coverage that's specifically designed to address the unique exposures associated within the golf and country club industry. Inside your HOA, or as a stand alone course.

Association service tiers

Choose the support level that fits your board.

Tier 1

Platform & Self-Service

Access the ICRG software platform for self-administration, insurance quotes, and brokerage services.

Tier 2

Get an Agent

For associations that want a dedicated ICRG point of contact to help coordinate decisions and next steps.

Tier 3

New Associations

For newly formed or transitioning communities that need a stronger financial-service foundation from day one.

Association support
made simple.

Choose the level of ICRG support that matches your board’s current stage, responsibilities, and decision-making needs.

  • Start with essential support when your board only needs guidance and service assistance.
  • Add a dedicated agent when you want one consistent point of contact for smoother execution.
  • Build a strong foundation for new or transitioning associations from the beginning.
Talk to ICRG about your tier

Need more information? Ask a question. Become a client.

INTELLIGENT CAPITAL RESERVE GROUP

Insurance and business services for community associations, developers, construction companies.

An Example of a Previous Project

A short description of your company’s role in the success of the project.

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