Community Association Products

Workers Compensation

Eligible States: Florida, Alabama, Georgia, North Carolina, South Carolina, Tennessee, Texas, California

In house authority program for community associations which have no employees on an "if any" basis or the association with employee payroll. The option to include voluntary compensation coverage is offered.

  • Classes Considered:
    • Residential Condominiums or Homeowners Associations
  • Coverages Offered:
    • Coverage A Statutory Limits
    • Coverage B Employers Liability $500K/$500K/$500K
    • Voluntary Compensation if they qualify
  • Minimum Payroll or Number of Employee
    • "If Any" or with Payroll Are Considered
  • 1 or 2 Full-Time Employees (or Part-Time equivalent) with payroll:
    • Duties related to typical daily building management only
    • Not for remodeling, major renovation or storm clean-up
    • Certificates required for all subcontractors
  • "If any" Coverage Terms Subject To:
    • Association not having any direct employees or payroll
    • No worker's compensation losses in the past three years
    • Association must not be aware of any circumstance or injury that may result in a worker's compensation loss
    • All significant work must be performed by licensed and insured contractors with appropriate experience
    • All subcontractors must provide proof of Workers Compensation coverage
  • Voluntary Compensation Eligibility Guidelines (Optional Coverage)
    • Volunteers must be pre-approved by an official motion of the Association Board
    • No special activities that involve sporting events, off premise activities, alcohol consumption, fund raising, operation of power machinery, or any other high hazard risk sponsored by the association
    • No Owner/Members who perform voluntary maintenance services for the association's common elements
    • All volunteer work must be limited in scope to basic tasks that require no specific training or experience
  • Submission Requirements:
    • Notarized Acord 130 Florida Workers Compensation
    • Notarized Acord 130 Workers Compensation Application (AL, GA, NC, SC, TX)
    • Voluntary Compensation WC supplemental application
    • Loss runs or no loss letter
  • Resources
    • Log in to view related resources
  • Education
    • Log in to view related education links
  • Video
    • Log in to view related Video links
*** Disclaimer:  This is a general eligibility summary and other guidelines can and will apply. #CAPWC