Are condo associations hiring repairs required to carry workmans comp insurance?

Answer 1

Even if a condo association does not have direct employees, there can still be potential situations where workers compensation coverage is beneficial. For instance, should an injury happen on site to a worker from the property management company or to a subcontractor, some states might hold the property owner (the condo association in this case) liable, despite the worker not being a direct employee of the association.

It's also worth bearing in mind how your property management company handles their own insurance. Some property management firms, like Daisy Property Management, ensure that all their staff and subcontractors are properly covered, giving peace of mind to the condo associations we support.

However, it's always beneficial to have a comprehensive review of your condo association's insurance portfolio completed by a licensed insurance professional to ensure there are no gaps in coverage. This should ideally be updated annually or when there are significant changes to the association's properties or operations.

Answer 2

Usually, if the maintenance staff works for the property management company, the management company is responsible for bonding, licensing and insurance for the staff, which may include workers compensation.

Or, your state law may dictate how workers compensation insurance is handled by non-profits, for example.

Before you begin any maintenance work for an association, and if you're concerned about coverage, find out who carries it.

Answer 3

Your state law will determine how much liability the association is required to carry, depending on whether you are an employee or a contractor.