If we have no employees, why do we need a workers’ compensation policy?

There are numerous circumstances in which the Association might be deemed to be the employer at the time of loss. For more information on this, see our helpful video here.

A recent landmark California Supreme Court decision from May 11, 2018 radically restricts the opportunity to name workers as “independent contractors” which greatly increases the likelihood the Association could be deemed the Employer at the time of loss.