Association has Employees
The purpose of this is to provide coverage for work related injuries or diseases suffered by association employees that are compensable by statute and/or imposed by law as damages. Coverage is provided for payment of medical expenses and reimbursement of lost wages.
Volunteer (the association has no employees)
The purpose of this is to provide coverage if an association volunteer is injured while working on behalf of the association. This policy will provide coverage for medical and rehabilitation cost for the injured volunteer. It does not usually pay the wage portion because there is no “wage” associated with the work.
This policy is not intended to cover employees of the association or any contractors working on behalf of the association. However, if required by local law to step in as the “employer” as it relates to benefits owed an employee of an uninsured contractor that is injured on the association property this policy will provide typical workers compensation coverage. This policy requires the association to maintain certificates of insurance showing workers compensation coverage for all contractors used.
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