Is Liability Haunting your Community Association Clients? 👻☔

Take the Fear out of HOA Liability with an Umbrella/Excess Policy! 

Don't Ghost Your HOA Clients in October

Unless you like a Nightmare on Elm Street! 

Work with an underwriter on every submission - they'll help you wicked fast! 

Protect your Community Association with an Umbrella/Excess Liability 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 new business limits of $5 Million and $10 Million.

Let our Umbrella team work their MAGIC for you! Call (888) 833-4158. 

Umbrella Coverage Highlights: 

• Written on Admitted A+ Paper in 49 states & DC (excludes GA)

• Competitive Rates

• Direct Bill

• Disclosure of Terrorism

• Disaster Response Coverage Endorsement $50,000

• Claims Made Endorsement (where an underlying policy is Claims Made)

• Following Form Named Insured

• Following Form General Liability

• Following Form Directors & Officers Liability

• Following Form Employers Liability (Coverage E)

• Following Form Employee Benefits Liability (Coverage E)

• Following Form EPLI to the extent that insurance is provided under underlying D&O

• Following Form Aggregate Per Location (multi-location risks must have “per location aggregate” on primary general liability policy)

Download our flyer to see the Eligibility Requirements and Coverage Exclusions. Download our Umbrella flyer through our website.

Umbrella New Business Submission Requirements 

The following are required to receive a quote for an umbrella New Business submission:

• Enter the application and submit via MGAlive.com

• Upload 5 years currently valued loss runs for all underlying coverages. The loss run valuation date must be within 90-days of proposed policy effective date

• Submit with 10-day lead time

Submissions within this framework will limit the number of declined quotes while increasing our speed for processing Umbrella submissions. We appreciate your attention to these requirements.