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You'll Love Working with our HOA Umbrella/Excess Liability Team!

It's easy to add Umbrella/Excess Liability to your Insured's Account in MGAlive. Visit MGAlive.com to quote!


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 five limits - $5 Million, $10 Million, $15 Million, $25 Million, and $50 Million*.


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Umbrella Coverage Highlights:

  • Coverage available in all 50 states

  • 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)

*$50 Million limit includes a primary layer of A+ rated $25 Million Excess Liability (including EPLI), and a secondary layer of A++ rated $25 Million Excess Liability (excluding EPLI).  $50 Million limit available in all states except GA.


Our Umbrella flyer contains eligibility requirements, coverage exclusions, and instructions on submitting new business. Plus links to the forms required and contact details.


Contact us for more details at (888)-833-4158. We are here to help!



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