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HOAs Should Never Utilize Unlicensed and/or Uninsured Service Providers

A common mistake made by HOA directors and/or management personnel is the belief that the association does not need to carry workers compensation insurance if they do not have employees. Under state laws, a homeowners association is subject to being held liable for “employment related injuries” if an unlicensed and/or uninsured service provider hired by the association, who the association believed to be an independent contractor, gets injured during the course of providing the services to the association.