by Tiffanie Thompson, SentryWest Insurance
Let’s talk about Association Volunteers!
Who doesn’t love and appreciate anyone willing to help out?! Of course, we all do, but is our Association covered?
Typically, we all hear the term “Workers Compensation” and immediately think that would only apply to businesses. “We don’t have any ‘employees’”, “we hire independent contractors”. How does this apply to my Homeowners’ Association?
First, let’s understand what coverage Workers Compensation provides.
Workers’ Compensation is provided to protect employers for work related injuries to their employees. The benefits can be medical expenses and income compensation that is provided to the employee, regardless of who is at fault.
Workers’ Compensation coverage should be utilized by any Associations that have direct employees and indirect employees such as board members, volunteers, and committee members.
Of course, you are still wondering why would my Homeowners’ Association need this?
Close to 80 million U.S. households have an animal in their home. Pets come in all shapes and sizes and provide companionship to their respective families, but there also are animals that play an important role in the lives of people with disabilities and mental health issues by assisting with day-to-day activities or giving emotional support.
In honor of May being National Pet Month, we offer a summary of what constitutes an assistance animal, laws and regulations that apply to their ownership, and the approach community associations can take to rules and regulations specific to these animals.
Federal laws such as the Fair Housing Act (FHA) and the Americans with Disabilities Act (ADA), as well as state and local laws govern assistance animals in community associations (commonly known as homeowners associations, condominiums, and housing cooperatives.) Assistance animals are categorized in three groups:
Read the full article here
article courtesy of CAI Advocacy Team
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