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A Cautionary HOA Holiday Tale! 🎅👻

Updated: 23 hours ago



A cautionary tale for Insurance Agents about Real HOA Ghosts* of Christmas Past. 


Ebenezer Scrooge felt content as he watched the official Volunteers and Board Members from his Townhouse Association decorate the common areas of their Community Association for free. As the Association Treasurer, he was aware that they could have spent a few coins** to cover the Townhouse folk with an "If-Any" Workers' Compensation policy, but he wanted to save a little money. BAH! HUMBUG!


On that very night, an official volunteer named Oliver slipped on some ice and got his ankle in a twist, sending a Ghost* to visit Ebenezer. Let's travel back in time with this ghost to see how an "If-Any" Workers' Compensation policy has spared other communities from some Real HOA Claims from Ghosts* of  Christmas past. 


  • CO $236,943 Fell removing tree stakes, fractured leg and hip

  • NJ $26,694 Slipped on ice, contusion

  • GA $23,444 Twisted left knee while walking

  • CA $123,970 Tripped on tree root, fractured knee and shoulder


Adding to this holiday fiasco....If your Condo or HOA insured account is presently bare for Workers' Compensation, it places your agency's E&O policy at risk of the Ghost of Christmas Future! 


You may not be able to stop the Ghosts* of Christmas Past or Present, but for a low cost**, your Community Association client and your E&O can be protected from the Ghost* of Christmas Future! 


​​​​Visit our Join page for access and visit MGAlive.com to quote an If-Any Workers' Compensation for your Community Association before the Ghosts* visit you.


*Ghosts refers to non-payroll employees.

**Premiums as low as $280.


Questions? I can help!

Gary J. Deck

Vice President of Sales and Distribution

CA License 0755810

P: (916) 212-8310




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