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.
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.
Your state law will determine how much liability the association is required to carry, depending on whether you are an employee or a contractor.
I think this depends on the insurance company. When I was in an accident (I was at fault), the insurance company required my collision deductable up front before they started repairs on my car.
Your insurance will pay the contractor. The contractor gets the required permits. The contractor will have already factored in the cost of any permits needed to make your repairs into his bid for the job.
US Fidelis offers insurance for auto-repairs. They pay the repair shop while you pay your monthly insurance cost to them
No - insurance is for sudden and accidental damage. Routine repairs are considered maintenance and maintenance is not covered under any insurance policy.
If you are speaking of mechanical repairs the answer is no. Auto insurance is only made to pay for damages from covered accidents or comprehensive claims. Maintenance and mechanical repairs are not covered causes.
You need commercial General Liability Insurance
Just contact your Home Insurance Company and ask them about it. Many companies are fine with this for small claims or minor repairs.
after an insurance company is involed after a road traffic accident can i refuse thier offer and do the repairs myself
In my experience, in a number of countries, Auto Insurance companies will not pay for repairs unless the repair is result of an accident. Then only what the car is worth.
This answer can be very involved. Most simply, you should attempt to get your insurance adjuster and the repairer to agree on the cost of repairs. Insurance companies issue 'supplement' payment on claims regularly.
Yes, they will total it.
No. But if you have proof positive that the mechanic caused the damage, HIS insurance will cover the repairs. Call your local office of the State Attorney General.