Workers Compensation is almost always required when you have paid employees. Each State is different. Please ask during your REVIEW of your Insurance.
For a Community that does not have paid employees, it is recommended to carry Workers Compensation Coverage. This coverage is made to cover injuries and rehabilitation for injured Board members, Committee Members and Volunteers that are hurt while working for an Association. Working for the Association could mean Community Clean-up Days, Planting Flowers, Painting, or spreading Mulch for example.
General Liability policies normally exclude all work related injuries. Usually the only way to make an injured Volunteer whole again is to have Workers Compensation Coverage.
October 2015, in the State of North Carolina the law changed allowing Communities that do not have paid employees to have the option not to carry Workers Compensation. Prior to the law change, it was required for all Communities to carry this Coverage.
Each Community is different. It is recommended that you have your Insurance Program REVIEWED. Are you at Risk?