Some association boards of directors mistakenly believe because they don’t have employees Workers’ Compensation coverage is not necessary. Yet an association can end up being responsible for a volunteer’s medical expenses if he or she is injured while working on behalf of the association – let’s say while the individual is helping with landscaping, the sprinkler system or decorating the clubhouse.

A Workers’ Compensation policy from Kevin Davis Insurance Services (KDIS) for community associations covers losses for any non-compensated volunteers of the association. Providing Workers’ Comp is also a huge benefit to the association. What better way to encourage residents to participate and volunteer: Provide them with Workers’ Comp benefits in the event of an unintended injury.