MGAlive users: Watch your inbox for 1/1/26 notices detailing the changes to "If-Any" Workers' Compensation minimum premiums and fees. Several states are already confirmed to have either an increase or a decrease and more are expected.

Please stay opted into our emails and mark our domains (caislive.com and mgalive.com) as safe senders. Thank you for your attention to these notices.

CAIS offers the only national Workers’ Compensation program covering board members, committee members, and volunteers*. For the last 17 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. *Unless restricted by a state's insurance regulations.

We have example claims that may be helpful for your Community Association. See recent PAID LOSSES from our National Condo/HOA WC Program.

CAIS offers an If-Any Workers’ Compensation Policy that includes a voluntary compensation endorsement* to solve these issues. This type of policy is sometimes referred to as a Ghost Policy, a No Payroll Policy, or a Non-Payroll policy. CAIS also offers Payroll Workers' Compensation for community associations with employees.

Click here to view sample claims and download a sample to take to your next board meeting!

Agents that need access can visit our Join page to apply!