claims

Every association faces exposure, whether or not there are employees.

 

What if an employee of an uninsured vendor is injured at the association’s property, and the employer has not provided proper coverage? The association may be required by the local labor or industrial authorities to step in as the ‘employer’ as it relates to benefits owed to the injured employee.

 

What if a volunteer or board member working on behalf of the association is injured during the course of their duties? The association should (and ultimately may be required to) treat the injury as “work-related” which requires benefits be provided.

 

Here’s what to consider with coverage:

 

While a general liability (GL) policy will provide coverage for bodily injury to a third party, it EXCLUDES coverage to those deemed an employee of the association should they experience bodily injury. Subsequently, a serious injury to a volunteer could be viewed as an injury to an employee of the association by the GL carrier and not be afforded coverage by the policy.

 

 

 

We have the solution. CAIS offers an If-Any Workers’ Compensation Policy that includes a voluntary compensation endorsement to solve all of these issues.

State

Total Claim (paid & reserve)

Claim Explanation

Date of Loss

AZ

CA

CA

CA

CA

CA

CA

CA

CA

CA

CA

FL

FL

FL

FL

FL

FL

FL

FL

GA

IL

IL

IL

IL

IL

IL

IL

NC

NC

NJ

NJ

NJ

NJ

NJ

NJ

NV

NV

UT

 $5,839

 $98,880

 $55,684

 $40,712

 $24,568

 $24,500

 $24,499

 $18,000

 $15,206

 $2,033

 $1,638

 $252,932

 $53,927

 $30,500

 $22,943

 $20,432

 $2,700

 $1,673

 $1,632

 $23,444

 $146,903

 $44,342

 $19,332

 $5,602

 $4,143

 $4,111

 $2,820

 $3,634

 $1,703

 $20,903

 $10,518

 $6,294

 $5,090

 $2,342

 $1,640

 $81,275

 $8,728

 $2,635

Stepped in hole/Twisted leg

Fell, knee and shoulder surgery

Slip and fell on stairs - broke both ankles

Right big toe injury

Carpal tunnel

Silpped on hillside

Multi RMI

Fell off boulder, back, ribs, knees

Employee riding in golf cart, got hit by rock

Head laceration concussion

Sprained ankle

Fell off step

Shoulder injury while undoing the gate for the trash chute

Scooter hit patch of wet leaves and IW did wheelie onto her back

Fall or slip injury - fractured upper arm

Wheel barrow feel-knee injury

Twisted right ankle, going to answer phone - no lost time

Biten on lower left leg

Needle stick right thumb

Volleyball twisted left knee

Elbow Sprain

Fell down stairs

Fell down ladder/Hurt wrist

Fell from ladder - broken legs

Low Back

Lifting/Twisting

Neck/Lifted TV

Puncture upper leg, slip and fall

Hit own hand with hammer when board slipped

Lower Back/Strain/Carrying drywall

Contusion, slipped on ice

Vehicle struck iw

Fell from ladder

Laceration moving garbage

Laceration/Ploe/Hand

Tripped

Trip and fall

Assembling play area/Hit leg

06/05/14

06/29/15

01/27/16

06/08/15

05/01/13

10/01/14

04/30/15

11/20/15

06/07/12

11/27/12

02/18/15

10/01/14

09/05/15

03/04/16

03/27/16

03/12/15

01/11/16

06/26/15

07/02/12

05/10/14

08/21/14

12/24/13

09/11/13

09/05/13

03/21/12

11/13/13

11/01/12

02/09/16

07/06/15

07/14/14

02/04/15

04/21/14

01/06/12

07/10/14

03/08/11

05/14/15

04/03/16

05/16/12

Let Community Association Insurance Solutions (CAIS) assist you today!

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