Many association Boards of Directors, in an effort to help keep assessment costs low, decline the purchase of a workers compensation policy for the association. The reasoning for this is often times based on the presumption that the association has no employees so a workers comp policy is not needed. This couldn’t be further from the truth! Assured Partners is helping associations to build a stronger understand by providing scenarios in which a workers comp policy covered an association that had no employees.   An association hired a contractor to replace the roof of their building. The project was estimated to take approximately 2 weeks time. Due diligence was performed by the association when they requested & received a certificate of insurance from the contractor prior…