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Workers’ Compensation Payroll

CAIS offers the only national Workers' Compensation program dedicated to Community Associations with direct employees and includes coverage for Board members and Volunteers. 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 Payroll Workers' Compensation flyer.





Program Highlights

  • Competitive rates

  • Direct bill

  • AM Best “A+” rated National Carrier

  • Available in all states (excl. ND, OH, WA, & WY)

  • Voluntary Compensation Endorsement included on all payroll accounts*

  • Online Submission and Bind on

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

Program class codes for care, custody and maintenance of premises include:

  • 9015 (states other than NY, PA, DE)

  • 9066 & 9009 (CA)

  • 9028 (NY)

  • 0971 & 0880 (PA, DE)

  • 9013 (HI)

Eligibility Requirements

  • Minimum annual payroll (most states): $25,000

  • Minimum 3 years in business

  • Favorable loss history

  • Certificates of Insurance required for all vendors and subcontractors (paid via 1099)

  • Prior workers’ compensation coverage with no lapse in coverage

  • FEIN required to quote

Ineligible Exposures

  • Lifeguards

  • Armed Guards

  • 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

  • Mid-term moves

Submitting New Business
How do I obtain a payroll quote?

  • Complete the online application in

    • 3 years currently valued loss runs

    • X-MOD (if applicable)

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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