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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.
Total Claim (paid & reserve)
Date of Loss
Stepped in hole/Twisted leg
Fell, knee and shoulder surgery
Slip and fell on stairs - broke both ankles
Right big toe injury
Silpped on hillside
Fell off boulder, back, ribs, knees
Employee riding in golf cart, got hit by rock
Head laceration concussion
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
Fell down stairs
Fell down ladder/Hurt wrist
Fell from ladder - broken legs
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
Trip and fall
Assembling play area/Hit leg
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