Workers’ Compensation – “If-Any”

CAIS offers the only national Workers’ Compensation Program covering board members, committee members and volunteers. For over 10 years, this program has been a stand-out in the industry. Competitive premiums, the highest commissions, direct bill, auto renewal and a single question email audit to the agent, make our program the best in the industry. The program is available for nonprofit habitational community associations: Homeowners Associations (HOAs), Condominium Associations (COAs), Townhome Associations, Mobile Home Parks, and Planned Unit Developments (PUDs).


Some associations have purchased a volunteer accident policy, commonly called Accident & Health (A&H) or Accidental Death & Dismemberment (AD&D). These A&H or AD&D policies are typically very limited in the protection provided. By including our no-cost volunteer endorsement, our product covers all out-of-pocket expenses for the injury and pays for all medically necessary expenses, including physical rehabilitation, that are a direct result of the injury sustained on the job.


Are you an insurance agent? You can quote, bind and renew all with a few clicks at, our Agent Portal for transactions. Don’t have access? Join our community of agents.


Do you work on the board of a community association? Are you a property manager? We’re here to help you too. Send us a message, or give us a call to learn more. Click for details on our "If-Any" WC Program for Community Associations. We have example claims that may be helpful for your Community Association.

Workers’ Compensation – Payroll

CAIS offers the only national Workers' Compensation program dedicated to Community Associations with employees, and includes coverage for Board members and Volunteers. Click here for more details on our Payroll WC for Condos/HOAs.

Directors & Officers

Our Community Association Directors and Officers with Employment Liability Insurance product (D&O with EPLI) covers both the associations you insure and their community management company. Click for details on our D&O product. Select the flyer with (Chubb) for most states or select the flyer with (AXA_XL) for AZ, CA, ID, LA, NV, OR, UT, VT, WA, & WV.


CAIS offers a Crime program to protect your customers. Crime is also referred to as Employee Dishonesty or a Fidelity Bond. The Crime coverage protects the insured against theft of money, securities, or other property by an employee or property manager. Add Crime to your existing Workers’ Comp policy in seconds! Click here for details on our Crime Program.


Protect your Community Association with an Umbrella Insurance Policy through CAIS. The Umbrella policy provides additional liability coverage over the GL, EL, and D&O insurance when the association suffers a catastrophic loss that exceeds those policy limits. CAIS offers four limits - $5 Million, $10 Million, $15 Million, and $25 Million. Click to download our Umbrella Product flyer.