If the Association does not currently employ personnel then why would you need a workers compensation policy?
First, stop in any meeting and you will probably see a Board or Committee made up of entirely volunteers. These volunteers do work on behalf of the association, at a designated time and place, and could be considered employees of the association for that reason. If you have volunteers who help with a recycling effort, a landscaping improvement, or a work/play day, then a WC policy could protect the association and help the volunteers, if injured.
Recent case law holds the Association responsible for contractors and subcontractors hired by the Association, if the proper Workers Compensation coverage was not enforced.
Workers Compensation coverage may be purchased to protect the Association in the event an uninsured contractor is injured while performing work on your premises. Policies are written on an “if any” basis and the estimated premium could be as low as $495 based on the limits.
Have questions? Call a member of our Community Association Practice at 410-835-2000 – they are always happy to help!
Thanks for reading.