Insurance news and information

Suppose your condo association has no employees to speak of. Suppose all work is performed by contractors carrying their own liability insurance. Suppose all condo association members are volunteer. So why would you need workers compensation insurance?

Some states take a very broad view of the definition of “employer-employee” relationship under workers compensation coverage and claims. If your association has any volunteers on staff, you could be setting yourself up, in appearance, for the law to define your relationship as employer-employee. Your volunteer is instructed by your board to complete work that causes injury to the volunteer. Your general liability policy will more than likely not cover such activity because under the general liability description on your condo association insurance policy, those completing work for your association are generally not included or may be specifically excluded. Read more…