employers liability insurance volunteers
Suppose your condominium association has no staff to speak of. Suppose that all work is done by contractors carrying their own liability insurance. Suppose that all members of the condominium association are volunteers. So, why do you need workers compensation insurance?
Some states have a very broad definition of "employer-employee relationship in workers compensation coverage and claims. If their association has volunteers on staff, you could be setting a goal that apparently the law to define the employer-employee relationship. Your volunteer is instructed by his board to complete the work that causes harm to the volunteers. Your general liability policy is only likely to cover that activity, because under the overall responsibility for describing their association condominium insurance policy, those working to complete their association is not generally included or excluded specifically.
So you get workers compensation coverage in case? These are condominium associations fine line to walk when work is not voluntary for employees. Workers comp rates are high, so the instinct is to take a chance. However, your state may interpret the work as a loss in the workers compensation laws, such as California did. In that case, your association may be due not only to workers compensation coverage, but also the state fines for not having adequate coverage. Both could be very important if the injury is severe.
If the interpretation of your state are less extensive, can not be an issue. However, most insurance companies prefer to opt for condominium association condominium association on the side of caution and bring the workers, even minimal compensation coverage to protect the policy holder claims invisible and exhibitions loss.
Talk to your insurance agent condominium association, which should be well versed in the laws of your state and needs. Make sure that any relationship with volunteers or other persons performing work or your property are adequately covered in the event of an accident or injury. Your agent can direct products that can help mitigate this gap in coverage.
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Article Source: ArticlesBase.com – Have volunteers? Got Workers compensation insurance?
