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Workers’ Compensation “If-Any”

CAIS offers the only national Workers’ Compensation Program covering board members, committee members, and volunteers. For the last 15 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 including homeowners' associations (HOAs), townhomes, residential/commercial condominiums (condos), and residential/commercial planned unit developments (PUDs).


Download our If-Any Workers' Compensation flyer.












Program features:

  • Up to 15% Commission

  • Board Members & Volunteers covered*

  • Premiums as low as $300

  • AM Best "A+" rated national carrier 

  • Auto-renewal, direct bill

  • Simple email audit to agent, nothing to insured

  • Available country-wide!

  • Online Quote & Bind on


*Voluntary Compensation Endorsement available in all states unless restricted by a state’s insurance regulations.


Ineligible Exposures

  • Lifeguards

  • Employees under the age of 16

  • Association sponsored sporting events

  • Association sponsored alcohol at special events and activities

  • Work over 15 feet

  • Work 6 feet below ground level


The top reasons a Community Association needs an "If-Any" Workers' compensation policy. 


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 volunteer endorsement on every policy, 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.

Every Condo/HOA without direct (W2) employees faces the following exposures:


1. An employee of an uninsured contractor is injured at the association and the employer has not provided proper coverage. The association may be required by the local Labor/Industrial authorities to step in as the "employer" as it relates to Labor Code benefits owed that injured employee.


2. A volunteer working on behalf of the association is injured during the course of their duties. The association should (and ultimately may be required to) treat that injury as "work-related", thereby requiring benefits owed under the Labor Code.


3. General Liability (GL) EXCLUDES bodily injury to an employee. An injury to a volunteer or to an employee of a contractor could be deemed an injury to an employee of the association and would be excluded by your GL carrier. The “If-Any” Workers’ Compensation Policy that includes a voluntary Compensation Endorsement will provide coverage to an injured employee as evidenced in the losses outlined below.

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


Here is a case that illustrates why every Community Association Management Company should INSIST their clients carry Workers’ Compensation:

'Heiman v. Workers' Compensation Appeals Board (2007) 149 Cal.App.4th 724' demonstrates that association managers can also be held liable for injuries to an employee of an uninsured contractor working for an association they manage.


Download the case synopsis flyer.


Note: This program is sometimes referred to as No Payroll, Non-Payroll, Zero Payroll, Ghost Policy, If-Any Workers' Compensation, "If-Any" Workers' Compensation, or Minimum Premium Policy.


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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