Workers Compensation Insurance

This type of insurance is required by law for any association that has employees and for any association’s vendor that has employees. It is intended to be the exclusive remedy against an employer for bodily injuries that occur to an employee while the employee is working on behalf of the employer. Insurance professionals often recommend that associations carry at least a basic workers compensation policy. Such a policy is needed to protect and defend an association against claims from persons who allege that they were employees of an association at the time an injury occurs even if the association believes they were not employees, or in cases where a vendor cancels workers compensation coverage or allows it to lapse after work for an association commences.

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