Living in a community association often entails various responsibilities, including managing household tasks and maintenance. In some cases, residents may hire help to assist with these duties, such as housekeepers, nannies, and caregivers, raising questions about employee status and insurance coverage. Who is considered an employee in a residential community, and what insurance requirements and limitations surround this arrangement?
When building residents hire employees, it’s essential to consider the insurance implications associated with this arrangement. Depending on the nature of the employment and local regulations, several insurance requirements may come into play:
Workers’ Compensation Insurance:
Employers may be required to carry workers’ compensation insurance to provide coverage for employees who suffer work-related injuries or illnesses. This insurance helps cover medical expenses, lost wages, and other benefits for injured employees.
Liability Insurance:
Residents who hire employees should also consider liability insurance coverage to protect against potential lawsuits or claims arising from employee-related incidents. Liability insurance can provide coverage for property damage, bodily injury, or other liabilities resulting from the actions of employees while performing their duties.
Whether employees are of the Association or an individual owner, Workers’ Compensation and Liability coverage is of the utmost importance in protecting yourself and your Community Association. Reach out to me with questions anytime.
