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Anjan Sarkar
  • Classes Considered:
    • Residential Condominiums or Homeowners Associations
  • Coverages Offered:
    • Coverage A Statutory Limits
    • Coverage B Employers Liability $500K/$500K/$500K
    • Voluntary Compensation if they qualify
  • Minimum Payroll or Number of Employee
    • "If Any" or with Payroll Are Considered
  • 1 or 2 Full-Time Employees (or Part-Time equivalent) with payroll:
    • Duties related to typical daily building management only
    • Not for remodeling, major renovation or storm clean-up
    • Certificates required for all subcontractors
  • "If any" Coverage Terms Subject To:
    • Association not having any direct employees or payroll
    • No worker’s compensation losses in the past three years
    • Association must not be aware of any circumstance or injury that may result in a worker’s compensation loss
    • All significant work must be performed by licensed and insured contractors with appropriate experience
    • All subcontractors must provide proof of Workers Compensation coverage
  • Voluntary Compensation Eligibility Guidelines (Optional Coverage)
    • Volunteers must be pre-approved by an official motion of the Association Board
    • No special activities that involve sporting events, off premise activities, alcohol consumption, fund raising, operation of power machinery, or any other high hazard risk sponsored by the association
    • No Owner/Members who perform voluntary maintenance services for the association’s common elements
    • All volunteer work must be limited in scope to basic tasks that require no specific training or experience
  • Submission Requirements:
    • Notarized Acord 130 Florida Workers Compensation
    • Notarized Acord 130 Workers Compensation Application (AL, GA, NC, SC, TX)
    • Voluntary Compensation WC supplemental application
    • Loss runs or no loss letter