ASSOCIATIONWORKERS' COMP
EVERY EMPLOYEE STOCKING SHELVES, MOWING GROUNDS, OR FIXING PIPES IS A WORKERS' COMP EXPOSURE.
IF THE ASSOCIATION HAS W-2 EMPLOYEES, WORKERS' COMP IS REQUIRED.
Community associations that employ maintenance workers, groundskeepers, pool attendants, fitness monitors, clubhouse staff, or administrative employees must carry workers' compensation in most states. The coverage pays medical expenses and lost wages for employees injured on the job, and protects the association from direct lawsuits by injured workers.
Lifting injuries, falls from ladders, equipment accidents, and repetitive strain from physical grounds work.
Lifeguards, fitness monitors, and pool maintenance staff face slip-and-fall, chemical exposure, and heat-related risks.
Lower-risk classification but still covered — repetitive strain, trips, and vehicle accidents on association errands.
Uninsured contractors who are injured on property can trigger claims that fall back on the association.
TAP EACH SCENARIO TO SEE HOW WORKERS' COMP RESPONDS.
Association employees face real physical risks. Tap each to see the coverage response.
EVERY CONTRACTOR ON YOUR PROPERTY MUST CARRY THEIR OWN WORKERS' COMP.
When a contractor's employee is injured on association property and the contractor has no workers' comp, the injured worker looks to the association for recovery. Depending on state law, the association may be treated as the statutory employer and held liable for the medical costs and lost wages. The simplest prevention is requiring every contractor — landscapers, pool service, painters, plumbers, roofers — to provide a certificate of insurance showing active workers' comp coverage before starting any work. Kelly Insurance Group helps boards establish vendor insurance requirements and tracking systems so the association is never the fallback for an uninsured contractor's injured employee.
ASSOCIATION WORKERS' COMP — ANSWERED.
DOES EVERY ASSOCIATION NEED WORKERS' COMP?
If the association employs any W-2 workers, workers' comp is required in most states. Even a single part-time employee may trigger the requirement depending on state law.
WHAT IF THE ASSOCIATION USES ONLY CONTRACTORS?
The association may not need its own workers' comp, but if a contractor is injured without their own coverage, the claim can fall back on the association. Require certificates from every contractor.
WHAT INJURIES DOES WORKERS' COMP COVER?
Injuries and illnesses from employment duties — lifting injuries, falls, repetitive strain, heat illness, chemical exposure, and vehicle accidents during association errands.
DOES THE ASSOCIATION NEED VOLUNTEER ACCIDENT COVERAGE?
Workers' comp does not cover volunteers. Associations relying on volunteer committees and events should carry a separate volunteer accident policy.
HOW ARE PREMIUMS CALCULATED?
Based on payroll, employee classification codes, and the association's experience modification factor. Maintenance and grounds workers carry higher rates than administrative staff.
WHAT IS AN EXPERIENCE MODIFICATION FACTOR?
Compares actual claims history to expected claims for similar operations. Fewer claims = mod below 1.0 and lower premiums. More claims = mod above 1.0 and higher premiums.
PROTECT THE PEOPLE WHO KEEP YOUR COMMUNITY RUNNING.
Kelly Insurance Group builds workers' comp programs for associations of every size and staff composition. Since 1881.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
RELATED INSURANCE PROGRAMS
Other Kelly Insurance Group coverages matched to this page
MATCHED INTAKE FORMS
Best-fit forms for this page
FIND RELATED COVERAGE FAST
LOADING LIVE SITEMAP...
Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations.