MGAlive.com is brought to you by CAIS, a leading general agency and national program administrator. At MGAlive.com, you can quote, bind, issue, and endorse online. Service at the perfect speed... YOUR speed!
Become an MGAlive.com Producer
We are always looking for great agents & brokers to join our team. For more information, and to download New Producer Kits with instructions, please click HERE.
Automated Programs
PUD/Single Family Home Fully automated PUD product available in 7 states.
Commercial Earthquake / DIC
HOA Workers' Comp "If-any" coverage designed specifically for Associations.
General and Artisan Contractors GL program focused on small to medium artisan contractors.
Motor Truck Cargo Covering your client's liability during transport of goods under contract.
Builder's Risk Under construction? Coverage for owners and general contractors.
Small Condominium Association Package product - Liability, property, umbrella, D&O Available in 31 states
Brokerage Department
Click on a brokered program to download applications and forms.
Community Association Suite
Contractors Suite Available for our Allstate agent partners
Small Business Suite Available for our Allstate agent partners
About Us
History
The company opened its doors in 1999 as a specialty retailer in the community association niche market. As a leading agency in community association insurance, CAIS insured over 450 associations.
In 2005, CAIS shifted it's focus as a retailer to a wholesaler upon earning a Commercial Expanded Market Partner appointment with Allstate Insurance Company offering Community Association products in California. Our relationship with Allstate has grown to encompass multiple product offerings in 9 states. In addition to our relationship with Allstate, CAIS offers various products nationally to the independent agency distribution system. CAIS currently provides insurance products through more than 1,000 agencies in over 40 states.
The 2008 launch of the fully automated website, MGAlive.com, has heralded a new era at CAIS as a General Agency and National Program Administrator. CAIS now offers automated product placement for Community Associations, Workers' Compensation, Inland Marine, and Construction related risks.
Mission
CAIS strives to build a positive and rewarding team-oriented work environment that is dedicated to the long-term and profitable growth of both CAIS and its agency partners.
As a general agency, CAIS supports these relationships by creating and distributing unique insurance programs through a technology-driven platform, and develops each program around an easy to transact, time efficient, quality product with competitive pricing.
Vision
To expand general agency offerings to our agency partners across the United States through relationships with carriers throughout the world.
Objectives
Our outward objective is to become a profitable organization while expanding our automated product offerings rapidly and effectively across multiple channels of distribution.
Develop automated and brokered programs for Allstate agent partners that meet their growth needs and quick turnaround time expectations
Expand automated program offerings to the independent agency force nationwide
At the same time, we must look inward, because a company's successes are only as good as those of its staff members.
Recruit and hire motivated, success-oriented staff
Create a challenging and spirited corporate culture that motivates, educates and retains a top-quality staff
Paula Kennard Earthquake, PUD's and CALO's Paula@mgalive.com Phone: 916.235.7331
Kamber Mendoza MGA Underwriter (MTC/WC) Kamber@mgalive.com Phone: 916.235.7343
Marci Honeyman Construction & Small Business Marci@mgalive.com Phone: 916.235.7334
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Take a Tour of MGAlive.com
We invite you to take a brief video tour of MGAlive.com, where you can quote, bind, issue and endorse online for service at the perfect speed...YOUR speed!
an alternative to obtaining loss runs from your insured. They are a web based service that provide requested hard copy current loss runs.
ARTISAN Contractor Program Options
General and Artisan Contractor GL
Program Description
A General Liability program focused on small to medium artisan contractors, including non-structural new residential artisan classes.
Program Highlights
A.M. Best "A" rated carrier
Includes 70 class codes including new residential artisans like plumbers, cabinet installers, painters, and more
Contractor E&O up to $100,000 available
Blanket CG2010 11/85 equivalent AI endorsement
For a complete list of classes available in this program, click HERE.
PUD Program
There are roughly 300,000 community association in the United States. Of those, 52-55% of those are single family home associations.
The PUD program underwritten by an A.M. Best "A+" (Superior) rated carrier, offers a comprehensive property and liability policy that addresses the unique coverage requirements of single family homeowner associations.
Whether you call them Planned Unit Developments (PUD), Homeowner Associations (HOA), Common Area Liability Only (CALO), or any other acronym, this class of small premium business can be cost prohibitive to produce. However, any of us that have spent time retailing community association insurance through property management firms realize that these are important accounts to the portfolio managers.
Competitive quotes must be provided in a timely manner for every association - large or small. Our automated platform allows you to do just that. Why waste time completing and faxing paper applications when you can do everything online?
This quality product is second to none in the industry with favorable underwriting guidelines, competitive coverage and excellent pricing. Combined with our easy-to-use quote, submit and bind online platform, you have a turn-key solution for your single family home association business.
This program is available in the following states: Arizona, California, Colorado, Nevada, Oregon, Utah, and Washington.
HOA Workers' Compensation
This workers' compensation program has been specifically designed with the needs of Homeowner Associations in mind. This policy includes coverage for the 'if-any' employee exposure. Coverage extends to organized volunteer efforts within the community, directors and officers, and in the event that a contractor's own policy has lapsed.
Available countrywide!
DIRECTORS & OFFICERS
VOLUNTEERS
UNINSURED WORKERS
Articles
Click HERE to read an article about a recent court case concerning HOA Workers' Compensation.
Click HERE to read an article written by our managing member, Garth M. Leone, regarding the importance of this coverage.
Builders Risk
Builder's Risk Plus provides coverage for owners and general building contractors. The policy covers building materials that will become part of the completed structure, temporary structures, forms, scaffolding and falsework.
Coverages Included
Temporary Structure
Lawns, Trees, Shrubs & Plants
Removal Expense
Forms, Scaffolding, False work, Temporary Fencing
Owner
Contractor
Developer
New
Renovation
Motor Truck Cargo
The policy that covers your clients liability during the transport of goods under contract, tariff & bill of sale.
Automatic Coverages
Reload expense up to $5,000
Earned Freight up to $2,500
Debris removal of damaged cargo up to $5,000
Additional Coverages Available
Spoilage and freezing
Non-owner Container and trailer Interchange losses
Weekend Warrior - Motorsports Teams
Program Description
An Inland Marine program for the small to medium Motorsports Teams. This covers the off-track exposures for race vehicles and race boats, including trailers, tools and equipment, spare parts, radio transmitting and receiving equipment, tents, signs, food items, tables and chairs on a scheduled and blanket basis.
Program Details
Many weekend warriors go without insurance coverage for both transit and storage. Those that store race vehicles, tools, and spare parts in residential garages are not fully covered under most homeowner's policies. Others that store equipment in separate business locations may not have coverage under their business policy. Transporting race vehicles is also an exposure frequently overlooked. For small teams their equipment and vehicles can be a significant investment. This policy is designed as a solution to meet the needs of small to medium race teams.
A.M. Best rated A XII
Nationwide Admitted Carrier
Community Association Suite
Brokered Condominium Association Program
For risks that don't fit into one of our fully automated programs, we offer a full-service brokered condominium association program. Lines of business include general liability, property, umbrella, directors & officers, fidelity bond, and earthquake/DIC. Our brokerage unit can also help place "unique" association risks.
Please direct all submissions for the Brokered Condo Program to Kamber Mendoza via fax 916.235.7343 or e-mail at Kamber@mgalive.com.
Small Condominium Association Program
Small Condominium Association Program
There are roughly 300,000 community association in the United States. Of those, 38-42% of those are condominiums associations.
The small condo program is underwritten by an A.M. Best "A" rated carrier, and offers a comprehensive property and liability package policy that addresses the unique coverage requirements of condominium associations. This comprehensive package includes umbrella, D & O, and a host of other condo specific coverages. Check out the available coverages in our coverage description list below and you'll be amazed at what coverage options you can offer your customers.
In addition to a broad Onebeacon condo package, you can also offer to your client our exclusive automated Onebeacon worker's compensation policy that is extended to cover organized volunteer efforts within the community, directors and officers, and in the event that a contractor's own policy has lapsed. Check out our workers' compensation product also and offer your clients both complete products to meet their unique coverage needs.
Our automated platform allows you to offer quick and competitive quotes. Why waste time completing and faxing paper applications when you can do everything online?
This quality product is second to none in the industry with competitive coverage and excellent pricing. Combined with our easy-to-use quote, submit and bind online platform, you have a turn-key solution for your condo association business.
Our full-service DIC desk has direct access to premium DIC markets for all commercial earthquake risks including condominium associations, single family home associations and other commercial buildings. Our DIC specialists can place from the very small to the very large risk with a variety of deductibles available.
Submission requirements: Online Submission
Please direct all submissions for the Commercial Earthquake/DIC Program to Paula Kennard via fax 916.235.7331 or e-mail at Paula@mgalive.com.
Contractors Suite
Brokered Contractors Program
Offering general liability, property/equipment coverage, inland marine, umbrella, workers' compensation and EPLI for artisan contractors, residential general contractors, and commercial contractors.
Program currently open to Allstate agents in Arizona, California, Colorado, Illinois, New Mexico, Nevada, Utah and Washington.
4 years currently valued loss runs may be required (depending on the carrier)
Please direct all submissions for the Contractors Program to Marci Honeyman via fax 916.235.7334 or e-mail at Marci@mgalive.com.
"...your best option for Commercial Contractor General Liability (GL) is our brokering partner CAIS. I'm aware of their outstanding rates for GL (it's helped us close some nice Commercial Auto cases lately!) AND their quick turnaround with the price...for GL, Work Comp, and Inland Marine for contractors, you should check here first..."
- a California Allstate Sales Manager
Small Business Suite
Small Business Program
The Small Business Program was created to provide our California Allstate agent partners with a Property/GL solution for small business risks that fall outside the appetite of their in-brand product. Small business is a great source for in-brand Comercial Auto, and this program will allow you to offer a complete package to all of your small business customers. RFR is required.
Please direct all submissions for the Small Business and Mono-Line Workers' Compensation Programs to Marci Honeyman via fax 916.235.7334 or e-mail at Marci@mgalive.com.
Phone: 916.939.9960
