CID Insurance

Ideal Accounts and Appetite

This program is a fit for community associations of many sizes and operating models, including:

• Homeowners Associations (HOAs)
• Condominium complexes
• Townhome communities
• Residential Planned Unit Developments (PUDs)

MGAlive accommodates associations that are entirely volunteer-run as well as those that employ maintenance or administrative staff. Whether the client has no payroll, a small on-site crew, or multiple service contractors, the program can address core Workers’ Compensation and community liability needs.

We also offer non-standard general liability markets for common association vendors and contractors — artisan contractors, janitorial services, garage keepers, in-home businesses, and handymen — which is useful when an association hires or contracts out maintenance and operations.

Coverage Highlights and Advantages

Key components of the CID Insurance Program include:

• "If-Any" Workers’ Compensation coverage for HOAs and condominiums with no payroll
• Standard Workers’ Compensation for associations with payroll
• Board member and volunteer liability protection at no additional cost
• Access to national markets for major lines including:
  • Property
  • General Liability
  • Directors & Officers (D&O)
  • Crime
  • Umbrella
  • Difference in Conditions (DIC) including earthquake and flood

Underwriting Notes and Minimum Premiums

Underwriting is guided by payroll, property values, claims history, and vendor exposures. For Workers’ Compensation, the program requires a minimum premium of $1,000 based on total payroll. Note that Workers’ Compensation is not available through this program in monopolistic states (North Dakota, Ohio, Washington, Wyoming); other lines of coverage may still be placed depending on market availability in those states.

Territories and Availability

This program is available in most states, including AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, and DC. Availability may vary by line; contact MGAlive to confirm which coverages are available for a particular state or account.

Why Work With MGAlive?

MGAlive is a commercial insurance wholesaler and program administrator built by retailers for retailers. We specialize in HOA, condo, and PUD insurance and understand the urgency and complexity of placing community association risks. With multiple national markets and 14 fully automated online programs, MGAlive helps agents speed up turnaround times and simplify quoting and placement.

We combine underwriting that’s experienced with community association operations, flexible options for volunteer-run or staffed associations, and access to non-standard general liability markets for vendor exposures. That combination makes it easier for you to place accounts that might otherwise be difficult to bind quickly.

Example Accounts

• You have a volunteer-run HOA with common-area landscaping and a small reserves budget — place "If-Any" Workers’ Compensation to protect board members and volunteers while arranging property and liability limits appropriate for common areas.
• You work with a multi-building condominium association that employs maintenance staff and uses multiple outside contractors — place standard Workers’ Compensation, property, D&O, and vendor liability through MGAlive’s market access to create a cohesive program.

Visit our company profile or learn more about this program.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.