does an incorporated condominium ass ociation need workers comp insurance if they have no employees?

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does an incorporated condominium ass ociation need workers comp insurance if they have no employees?

Does an incorporated condominium association need workers comp insurance if they have no employees? and why would they need it?

Asked on November 2, 2018 under Insurance Law, New Jersey

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 2 years ago | Contributor

No, they don't need it. Worker's compensation is only needed if you have workers, obviously enough (the same way you don't need auto insurance if you don't have a car). Any entity without employees does not need it; for example, a small LLC, where the only people doing anything are the owners ("members") themselves (who are exempt from the requirement for worker's compensation) and there is no other staff, does not worker's comp. Similarly, an HOA without employees does not need it.


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