Community Association Underwriters of America, Inc. (CAU) is one of the largest insurance providers
in the United States, serving only community associations, residential and
office condominiums, cooperative apartments, and homeowners associations.
CAU is a leader in
community association insurance protection. Across the United States, CAU
provides insurance for thousands of associations with hundreds of thousands
of units.
CAU was established exclusively to meet the unique insurance requirements of
community associations and has designed its policies to specifically address
community association concerns. CAU professionals underwrite all coverages
and provide prompt policy issuance. In addition, CAU provides direct billing,
claims adjustment, and other customer services.
Comprehensive Coverages
CAU can structure an insurance program with comprehensive coverages for
your association’s specific needs, regardless of the size or type of your
association. In addition to superior property and liability coverages, CAU
offers:
- Employee Dishonesty (Fidelity) coverage
- Directors & Officers Liability coverage
- Environmental Impairment Liability coverage
- Commercial Automobile coverage
- Equipment & Machinery coverage
- Building Ordinance coverage
- Workers' Compensation coverage
- Employee Benefits Liability coverage
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Specific Package Policy Enhancements Include:
- Guaranteed Replacement Cost for all Buildings, Structures and Community
Personal Property
- Liability with No General Aggregate
- Directors & Officers Liability for Non-Money Damages
- Employee Dishonesty and Directors & Officers Liability for Property
Managers and Firms
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Experienced Agents
CAU’s agents are a select group of community association insurance
professionals. While other insurance providers may have thousands of agents
representing their programs, very few agents qualify to represent the CAU program.
You can be assured that when you talk with a CAU agent, you are talking to a
community association specialist with extensive experience in this unique insurance
discipline.
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Quality Service
Your association will appreciate CAU’s dedication to providing excellent service.
CAU’s commitment to quality ensures complete reliability in handling important
transactions, rapid resolution of claims, prompt policy service and efficient
billing procedures.
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Commitment to Research
CAU’s dedication to research results in innovative coverages, such as protection
for real estate community managers under the association’s directors and officers
liability coverage. Furthermore, it enables CAU to react quickly to harmful emerging
trends and new loss exposures with prompt, cost effective implementation of additional
coverages.
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Backed by the Premier Insurers in the World
Crucial to any insurance program is the financial strength of its insurers. CAU’s size
and experience facilitate its worldwide access to premier insurers, whose outstanding
financial performance is accorded excellent ratings from insurance industry rating
organizations.
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Asset Protection
Catastrophes impose a tremendous financial burden on those community associations with
inadequate insurance coverage. Such tragedies dramatically illuminate the necessity for
insurance protection developed by professionals specifically for the unique needs of
community associations. Standard insurance policies do not provide all the coverages
needed by community associations.
One of the most important responsibilities of a community association board of directors
and its community manager is to secure the protection of the best insurance program
possible. Insurance review and placement can be a real challenge for many association
boards and their officers. For this reason, you should have your insurance policy checked
today by a community association insurance specialist representing CAU.
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