HOA & Condo Insurance · Workers’ Compensation Insurance
No employees. Still needed.
Volunteers get hurt, contractors let coverage lapse, and the association is the one left holding the medical bills. A workers’ compensation policy written on an if-any basis costs little and closes that gap.
If-any basispremium is set at the carrier minimum when there is no payroll
$500,000employer’s liability limits are what many managers require
Year-end auditadjusts the premium only if the association paid someone directly
What it does
What Workers’ Compensation covers, and what it leaves to another policy.
✓Covered
- Volunteers hurt doing work for the association
- Unit owners who help: shoveling, painting, running an event
- Workers of uninsured contractors when the association is treated as the employer
- Anyone the association pays directly
→Handled by another policy
- Employees of properly insured contractors (their own policy)
- Injuries to guests and visitors (General Liability)
- Disputes about board decisions (D&O)
- Payroll that was never reported at the audit
Try it
See it in numbers.
Does your association need it? Three questions.
Do volunteers or owners ever do physical work for the association (shoveling, painting, changing bulbs)?
Does the association hire contractors, landscapers or snow removal?
Does your property manager or a lender require workers’ compensation?
Answer the three questionsand we will tell you what we would recommend.
Read the full article
Read it →Workers’ Compensation for Associations With No Employees
From our Coverage Explained series: what it covers, how the limit is set, and the questions to ask before your next renewal.
Questions boards ask
Answers from our FAQ.
Do we need Workers Compensation if we don’t have employees?
Yes, it is highly recommended to cover volunteers injured while working for the association and to fill gaps if a contractor’s coverage lapses.
Why do they need work comp?
To cover volunteers, ensure medical bills are paid for injuries sustained while working for the association, and protect unit owners who volunteer.
Want a second opinion on your policy?
Send us what you have. We review it, show you the gaps in plain English, and there is no obligation. Email associations@myinsurancewarehouse.com or start a quote.