HOA Workers' Comp Insurance
Protect your HOA with innovative and customized insurance strategies, so your community is prepared when you need it most. HOA Workers' Comp Insurance is designed to help protect the association when employees are injured on the job. If your HOA has staff—such as maintenance, landscaping, security, office administration, or on-site management — workers' comp can help with covered medical expenses, lost wages, and other costs related to job-related injuries or occupational illness.
Below are common workers' comp coverages and situations HOAs often plan for. If you need coverage not listed here, don’t hesitate to reach out—we can help you build a program that fits your community.
Medical Expenses for Work-Related Injuries
Workers' comp is designed to help cover medical treatment when an employee is hurt while performing job duties—such as slips and falls, lifting injuries, equipment accidents, or incidents during routine maintenance around the property.
Lost Wages & Disability Benefits
If an employee can’t work due to a covered injury, workers' comp can help replace a portion of lost wages and provide disability benefits based on the severity and duration of the injury.
Occupational Illness Coverage
Not every claim is a sudden accident. Workers' comp can also help with eligible occupational illness claims—such as exposure-related issues or repetitive-motion injuries that develop over time.
Employer Liability Protection
In many situations, workers' comp includes employer’s liability coverage, which can help protect the HOA if it is sued by an injured employee for certain work-related claims (coverage specifics depend on the policy and state rules).
Coverage for Maintenance, On-Site, and Office Staff
HOAs often employ a mix of roles, and each comes with different risk—maintenance staff and groundskeepers face higher physical exposure, while office staff may have ergonomic or repetitive-motion risks. We help ensure your payroll classifications and job duties are properly aligned, so coverage matches how your HOA actually operates.
Certificates & Compliance Support
Workers' comp requirements can vary depending on your state, number of employees, and employment structure. We help HOAs stay aligned with common compliance expectations—so you avoid coverage gaps, penalties, or issues when certificates are requested.
Risk Management to Help Control Costs
Workers' comp pricing can be influenced by claims history and workplace safety. We’ll help you identify practical steps—like safety procedures, training, and vendor separation—to reduce injury risk and help control long-term costs.
At StarNet Insurance Group, we help HOA boards and property managers build workers' comp coverage that makes sense — so your employees, operations, and association budget are protected with confidence.