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Umbrella/Excess Liability

Our Community Association high-limit Umbrella Insurance Product is dedicated to Community Associations and their specialized coverage needs. The product is available for nonprofit habitational community associations including homeowners' associations (HOAs), townhomes, residential/commercial condominiums (condos), and residential/commercial planned unit developments (PUDs).

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*. 

*$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.

Download our Umbrella flyer

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)

Eligibility Requirements:

  • Underlying Carrier: A.M. Best Rating A-VII or better

  • General Liability: $1,000,000 Per Occurrence, $1,000,000 Personal & Advertising Injury, $1,000,000 Products/Completed Operations/Aggregate, & $2,000,000 General Aggregate Per Location (no "CAP")

  • Automobile: $1,000,000 Auto Liability BI/PD Combined Single Limit for all autos

  • Employers Liability: All States, $500,000 Each Accident, $500,000 Each Disease/Employee, & $500,000 Each Disease/Policy Limit

  • Directors and Officers: $1,000,000 Per Occurrence and Aggregate

  • Liquor Liability - Employee: $1,000,000 Per Occurrence and Aggregate

  • Benefit Liability: $1,000,000 Per Occurrence and Aggregate

Coverage Exclusions:

  • Lead Liability Exclusion (Coverage E & U)

  • Mold, Rot or Other Fungi Exclusion

  • Earth Movement or Subsidence Exclusion

  • Care, Custody or Control Exclusion

  • Pollution Exclusion with Named Peril Exception

  • Errors and Omission Exclusion (Real Estate Agent)

  • Construction Defect Exclusion

  • Foreign Liability Exclusion

  • Contaminated Drywall Exclusion

  • War Liability Exclusion

  • Communicable Disease Exclusion

  • Umbrella Liability Coverage U Exclusion

  • “No Fault”, “Uninsured Motorist” or “Underinsured Motorists” Laws exclusion

Umbrella New Business Submission Requirements

Due to current market conditions, the following are required to receive a quote for an umbrella New Business submission:

  • Enter application and submit via

  • Upload 3 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 14-day lead time 


If your agency is already appointed, quote now on

Not appointed with CAIS yet? Click on the Join page.

If you’d like to learn more about insurance protection for your Community Association customers, please contact:


Gary Deck

VP of Sales and Distribution

M: 916.212.8310 (best choice)

T: 888.833.4158 Ext. 109

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