Community Association Underwriters of America

What Community Association Underwriters of America does

Community Association Underwriters of America, Inc. (CAU) is a Pennsylvania-based managing general agent (MGA) founded in 1989 that underwrites and administers insurance exclusively for community associations. The company distributes property, general liability, directors and officers, crime/fidelity, environmental impairment, and ancillary coverages through a curated network of appointed insurance agents and brokers across 45 U.S. states and Canada, protecting more than 15,500 associations and over 2 million residential units. CAU's core product portfolio spans admitted package policies (Package Policy, Essentials) and excess & surplus lines products (Coastal Advantage, Liability Plus, Build-to-Rent Solutions), with optional add-ons for flood, umbrella, workers' compensation, commercial auto, and volunteer accident delivered through partner carriers.

The company's product design centers on four built-in differentiators: Guaranteed Replacement Costs, General Liability with No General Aggregate, Employee Dishonesty Coverage for Community and Firm, and D&O Liability Coverage for Non-Monetary Damage Lawsuits — features the company states competitors lack the underwriting relationships or experience to replicate. Operationally, CAU runs standard MGA technology infrastructure including online submission portals, certificate request systems, payment processing (via epaypolicy), and producer access platforms, supported by a risk management content library aimed at association boards and their brokers.

CAU generates revenue primarily by earning commissions on premiums written on behalf of carrier partners, with pricing determined per-quote through appointed brokers rather than published rates. The go-to-market is B2B-only: CAU does not sell directly to associations, instead relying on a 'select group of agents with a proven service record' as its sole distribution channel. Customer segmentation spans residential condominiums, HOAs/PUDs, master homeowner associations, co-ops, timeshare communities, seasonal occupancy associations, office condominiums, and the institutional build-to-rent segment. The company is privately held with no disclosed parent, investors, funding rounds, or management team in the source material.

Name

Community Association Underwriters of America

Legal name

Community Association Underwriters of America, Inc.

Website

https://cauinsure.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

11–50 employees

Short description

CAU is a Pennsylvania-based managing general agent founded in 1989 that underwrites and distributes property, liability, and specialty insurance exclusively for community associations (HOAs, condos, co-ops, build-to-rent) through appointed agents and brokers across 45 U.S. states and Canada, serving 15,500+ policies protecting 2M+ residential units.

Ownership category

akta.pro rank

Product category

Community Association Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Community association insurance
• Managing general agent
• Property and casualty coverage
• Excess and surplus lines
• Insurance agent network

Headquarters

HQ city

Newtown

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premium Revenue: CAU generates revenue by underwriting and administering insurance policies for community associations. The company offers both admitted insurance lines and excess & surplus (E&S) insurance lines through partnerships with premier insurance carriers. CAU serves as an MGA, earning commissions on premiums written.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

CAU is a managing general agent (MGA) that underwrites and administers specialized insurance programs for community associations such as HOAs, condominium associations, cooperatives, master associations, planned unit developments, timeshare communities, and build-to-rent communities. The company offers admitted package policies and excess & surplus lines products covering property, general liability, directors & officers liability, fidelity/employee dishonesty, environmental impairment liability, equipment breakdown, and cyber risk, distributed exclusively through appointed insurance agents and brokers.

Product overview

CAU offers a portfolio of insurance products for community associations, including core package policies (Package Policy, Essentials, Coastal Advantage), liability-only products (Liability Plus), specialized coverage (Build-to-Rent Solutions, Environmental Impairment Liability), and additional coverage options (Flood, Umbrella, Workers' Compensation, Commercial Auto, Volunteer Accident) through partner carriers. The four key product differentiators across most products are Guaranteed Replacement Cost, No General Aggregate General Liability, Employee Dishonesty Coverage, and Directors & Officers Liability Coverage for Non-Monetary Damage Lawsuits.

Differentiator

Problem solved

Functional benefit

Products and services

• Package Policy CAU's core admitted package policy grouping for community associations, combining first-party property and general liability coverage and embedding four key differentiators: Guaranteed Replacement Costs, No General Aggregate General Liability, Employee Dishonesty Coverage for Community and Firm, and Directors & Officers Liability Coverage for Non-Monetary Damage Lawsuits. Designed for residential community associations seeking comprehensive insurance through appointed agents.
• Essentials Package policy for community associations with expanded exposures, such as those with higher rental percentages, student housing, and other non-standard occupancy profiles. Provides first-party property and general liability coverage.
• Coastal Advantage The most extensive excess and surplus line policy of its kind from CAU, providing broad-scale coverage for a range of buildings, structures, and coastal exposures. Issued by an A+ AM Best-rated carrier with customized coverage at competitive rates for associations without access to the admitted program.
• Liability Plus Liability-only product offered on an excess and surplus lines basis for community associations that need access to standalone liability coverage without bundling property insurance.
• Build-to-Rent Solutions Excess and surplus product custom designed for build-to-rent properties where 100% of units are rental-occupied and owned by a real estate investment firm, addressing unique risk management challenges for investor-owned rental communities.
• Environmental Impairment Liability Coverage Pollution liability protection for community associations on a first and third party basis, including prior acts coverage. Provides protection against bodily injury, property damage, remediation expenses, and defense costs related to pollution conditions. Designed by CAU and backed by partner insurance carriers.
• Flood Insurance Flood insurance offered as an additional coverage option for community associations through partner carriers.
• Umbrella Insurance Umbrella insurance offered as an additional coverage option for community associations through partner carriers, providing excess liability limits above underlying policies.
• Workers' Compensation Workers' compensation insurance offered as an additional coverage option for community associations through partner carriers.
• Commercial Auto Commercial auto insurance offered as an additional coverage option for community associations through partner carriers.
• Volunteer Accident Volunteer accident insurance offered as an additional coverage option for community associations through partner carriers.

Quantifiable outcome

• Over 2 million residential units protected across 15,500+ policies
• +1 more outcomes

Segments9 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves1 record

Expansion highlights5 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/cauinsure

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Community Association Underwriters of America