Workers Compensation Insurance for HOA Boards

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Workers Compensation Insurance for HOA Boards

What Is Workers Compensation Insurance?

While it is the legal responsibility of the employers to ensure safe workplaces, accidents are inevitable. Here the Workers Compensation insurance can help by providing coverage for work-related illnesses or injuries to the employers of an organization. These benefits are given to the workers, irrespective of who was at fault for the mishap.

The Workers Compensation insurance not only provides medical expenses for the injury and income compensation for the time the employee would not be able to work, but it also protects the organization from lawsuits filed by the worker who goes injured at the workplace.


Workers Compensation Insurance for Homeowner Associations

You might be wondering, why a homeowner’s association would need this insurance since it generally does not have any employees and it is required by the service providers to provide an insurance certificate.

The answer to your question is:

  1. A lot of CC&R documents state the requirement of workers compensation coverage for associations.
  2. An insurance certification can give a false sense of protection, as it is possible that the service provider gave it you several months ago and now their coverage has lapsed due to not making any payments for the premium. This can especially occur during financial hardships for service providers, such as painters and roofers who face premiums that are already relatively higher.

The Workers Compensation coverage not only provides security in case you use a service provider who is not insured, without being aware of it; it can also provide coverage to volunteers and board members of the association.

There are instances where board members end up getting injured while carrying out tasks appointed to them by the association. However, the majority of the times these injuries are minor and do not get reported, very rarely do they turn into a “federal” case.

While workers insurance compensation is optional and not a standard element of the master insurance policy of the HOA, it would be sensible for board members to have this optional coverage, ranging from $550 to $1000 for a year.

By | 2018-03-01T13:18:49-05:00 February 20th, 2018|Newsletter, Worker's Compensation|Comments Off on Workers Compensation Insurance for HOA Boards

About the Author:

Andrew Bateman and his team, through Trisure - a nationally licensed independent commercial insurance agency - specialize in working with single family, townhome and condominium homeowner associations. They provide HOAs with a complementary review of their present insurance program based on the policies in place and the governing documents to evaluate the community’s current coverage and find any gaps that may exist that could potentially put the association at risk. You can contact them directly via email at or visit their website at for further information or to request an evaluation of coverage.