Workers' Compensation - Community Associations
Workers' Compensation - Community Associations
Protecting those who make communities
feel like home.
The hallmark of any community association is the neighborly feeling it offers. From manicured common areas, to holiday parties and open houses, community association members offer their time and talent to make neighborhoods a desirable place to live.
But even the most carefully planned volunteer association activities can result in accidents. And without proper insurance coverage, slips and falls in common areas like clubhouses, pools or entrances can compromise your community association client’s reputation and volunteer goodwill.
Community Association Insurance Solutions, part of Amwins Underwriting, offers two workers’ compensation insurance programs that offer peace of mind for the full spectrum of employees, board members, committee members and volunteers injured while working in service of their community association (homeowner’s association, condominium or planned unit development).
Our solutions
"If-any” workers’ compensation
One-of-a-kind offering that provides insurance coverage for board members, committee members and volunteers injured while performing duties for their community association.
- Designed for: Nonprofit homeowners’ associations (HOA), planned unit developments (PUD), townhomes and condominiums
- Coverage for: Board members, committee members and volunteers
- Premium: As low as $300
- Audit: No audit to the insured. Simple one-question email audit to broker.
- Submission requirements: Quote and bind online at www.mgalive.com
Workers’ compensation payroll
The only national program that provides workers’ compensation insurance coverage for community associations with direct employees AND their board members, committee members and volunteers injured while performing duties for their community association.
- Designed for: Nonprofit homeowners’ associations (HOA), planned unit developments (PUD), townhomes and condominiums
- Coverage for: W2 employees, board members, committee members and volunteers
- Premium: As low as $1,000
- Minimum annual payroll: $25,000 (may vary by state)
- Underwriting requirements:
- Minimum three years in business
- Favorable loss history
- Certificates of insurance for all vendors and subcontractors
- Prior workers’ compensation coverage
- FEIN
Community association workers' compensation program details
Both our “if-any” and our payroll programs feature:
- Direct bill
- Easy submit + bind online at mgalive.com
Availability:
- Available in all states except: ND, OH, WA and WY
Carrier:
- AM Best “A+” rated
Ineligible risks:
- Lifeguards, employees under 16, association-sponsored sporting events or events with alcohol, work over 15 feet or below 6 feet
Why community association workers’ compensation?
Unlike A&H/AD&D policies, workers’ compensation covers all out-of-pocket expenses that result from any injury sustained while performing volunteer duties. And GL policies exclude bodily injury to an employee, which can be interpreted as volunteers or employees of contractors, as well.
