Page 18 - Smith Ins. Primer

Workers’ Compensa on
Workers’ compensa on insures against claims for work related injuries or diseases su ered by employees that are compensable by statue and/or are imposed by law as damages. Coverage is provided for payment of medical expenses and reimbursement of lost wages.
Coverage should be considered even if there are no regular employees. Protec on may be needed in the event the associa on employs casual labor or if the associa on hires an independent contractor who had no insurance coverage. In addi on, coverage may be desired for board members and volunteers. Coverage should include a voluntary compensa on endorsement for those exposures.
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