Associations with employees need workers’ compensation, and the line between employee and contractor matters.
What it generally covers
- Medical treatment for work injuries
- Wage replacement
- Employer’s liability
Where gaps often hide
- Workers who may be treated as employees
- Management company staff
- Classification errors
Questions worth asking
- Who counts as an employee for workers’ compensation?
- Are contractors covered?
- Are we classified correctly?
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General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.