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Apartment Insurance available in Ohio, Kentuc...al renovations. Limited student or subsidized occupancy (up to 20% per locatio...

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There are many different types of Common Interest Developments (CIDs) — homeowners associations (HOAs), condominium complexes, townhome communities, and Planned Unit Developments (PUDs). What they share is the need for specialized insurance that protects shared property, elected boards, managers, and volunteers while matching each association’s governance and operations. MGAlive offers a focused Common Interest Development Insurance Program built for agents and brokers who place HOA, condo, townhome, and PUD accounts. As a Program Administrator with access to multiple national carriers, MGAlive provides flexible placement options for both standard and non-standard exposures, faster turnaround through automated programs, and underwriting that understands community associations. 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 What types of accounts are a good fit for this program?HOAs, condominium complexes, townhome communities, and residential PUDs—especially those needing Workers’ Compensation or community-wide liability coverage—are ideal candidates. Can I place coverage for an HOA that doesn’t have any employees?Yes. Our program offers "If-Any" Workers’ Compensation for HOAs and condos with no payroll, and it includes protection for board members and volunteers at no extra cost. Are non-standard risks acceptable?Yes. We have market access for non-standard general liability risks such as artisan contractors, janitorial services, in-home businesses, and handymen—useful when associations hire outside help. Is this program available in my state?The program is available in most states. Workers’ Compensation is not available in monopolistic WC states (ND, OH, WA, WY); contact MGAlive to confirm availability for specific lines in your state. What is the minimum premium requirement?For Workers’ Compensation, the CID’s payroll must generate a minimum premium of $1,000. Minimums for other coverages vary by exposure and carrier. Need help placing an account? Connect with a market specialist.

For more than 30 years, Ohio E & S Agency has specialized in excess and surplus (E&S) lines placement for independent agents and brokers in Ohio and Michigan. Our long-standing relationships with leading E&S carriers — including Mid-Continent Insurance Company, Scottsdale Insurance Company, and a network of trusted brokerages — give you access to flexible, competitive markets for hard-to-place or non-standard risks. Service and speed are core to how we work. For risks we can rate in-house, our underwriters typically return indicative terms within 1 to 3 business days. Our team focuses on practical, marketable solutions and helps you navigate non-admitted placement options when admitted capacity is limited. Ideal Accounts and Appetite Ohio E & S Agency writes property and casualty risks that the standard market often declines or restricts due to prior losses, unique exposures, or non-standard operations. Target classes include, but are not limited to: Commercial property with higher-risk characteristics or prior claims General liability for contractors, manufacturers, and specialty operations Professional liability for both for-profit and non-profit organizations Directors & Officers (D&O) liability Employment Practices Liability Insurance (EPLI) Self-insured workers’ compensation excess Commercial umbrella and excess liability We do not write auto fleets, long-haul trucking, or garage liability exposures. Coverage Highlights and Advantages Our E&S capacity helps you place accounts with unusual loss histories, uncommon exposures, or limited operating histories. Key advantages include: Access to admitted and non-admitted markets through established carrier and brokerage relationships Customizable excess and umbrella limits to match complex liability profiles Professional and management liability products, including D&O and EPLI Flexible terms for emerging or niche exposures that need tailored language Typical fits include clients who own multiple vacant commercial buildings, contractors with atypical operations, or non-profits seeking D&O and EPLI solutions. Underwriting Notes and Minimum Premiums We evaluate risks on a case-by-case basis and aim to provide quick, indicative terms for accounts we can rate internally. Turnaround is typically 1–3 business days for in-house quotes. Minimum premiums vary by line and carrier; underwriters will advise on specific minimums once the risk and desired coverage are identified. Provide loss runs, detailed descriptions of operations, and any risk-control measures to speed the review. Territories and Availability This program is available to properly licensed agents and brokers in Ohio and Michigan. Most placements are completed on a non-admitted (E&S) basis, though admitted options may be available in certain states or for select risks through our carrier partners. Why Work With Ohio E & S Agency Agents choose Ohio E & S Agency for our depth of E&S experience, responsive underwriting team, and practical approach to placing difficult risks. We combine decades of market knowledge with strong carrier relationships to help you close business that might otherwise be hard to place. Work with us when you need fast, market-aware underwriting and access to specialty capacity. Learn more about our capabilities by visiting our company profile or start placing business through our storefront. Frequently Asked Questions What types of accounts are a good fit for this program?We’re best for accounts the standard market will not fully accept or will price restrict—examples include commercial property with prior losses, specialty contractors, and non-profits needing D&O or EPLI coverage. What coverages does Ohio E & S Agency offer?We place non-admitted property and casualty, professional/management liability (D&O, EPLI), self-insured workers’ comp excess, and umbrella/excess liability. We do not place auto, long-haul trucking, or garage liability. How quickly can I expect a quote?For risks we can rate in-house, you can expect indicative terms within 1 to 3 business days. More complex submissions that require brokerage placement may take longer. Which states is this program available in?This program supports licensed agents and brokers in Ohio and Michigan. Most business is placed non-admitted, though admitted options may be available in select situations. Do you offer admitted coverage?Most placements are non-admitted E&S lines. We do have access to admitted markets through carrier partners in some states or for specific risks—ask an underwriter for details. Need help placing an account? Connect with a market specialist.