Condo Media - February 2022 - 16

Asked & Answered
Committee
WVolunteers
aivers of Liability and
Insurance Coverage
Our association needs new
decking in one area by the
clubhouse. Some homeowners
have suggested forming a
committee and doing the labor
themselves to save money. They are willing
to sign a waiver of liability. Would our general
liability insurance cover any accident?
GENERAL LIABILITY
COVERAGE UNCERTAINTY
First, to specifi cally answer the question of whether
general liability insurance would cover an accident
involving a volunteer worker, the answer is never a
simple " yes, " and most often is " probably not. " General
liability policies are intended to cover damages that
" the insured becomes legally obligated to pay... because
of 'bodily injury' or 'property damage' to which [the]
insurance applies. " In very general terms, in order
to trigger payment under a standard general liability
policy, there typically needs to be some allegation of
legal liability (e.g. negligence) on the part of the insured
association; and it is a strong possibility that absent
such legal liability, it may be diffi cult to induce such a
policy to render payment in the event of a volunteer's
injury or accident. At the very least, it's noteworthy that
most (if not all) general liability policies will not proactively/automatically
pay for the costs associated with
such an injury - the injured party would have to assert a
claim against the association, which could end up being
accepted or denied based on specifi c policy terms and
facts surrounding legal liability. In short, it's generally
16 CONDOMEDIA February 2022
not advisable to rely on an association's
general liability policy to address the risk
of injury to a volunteer worker, regardless of
the existence of waiver(s) or other legal contracts.
WORKERS' COMPENSATION
INSURANCE QUESTIONS
If injury to volunteer workers is not reliably addressed
by an association's general liability policy, then that
begs the question of whether any policy can be relied
upon for this area of risk. The answer here is also not
entirely straightforward but is worthy of discussion.
Oftentimes, the next area of insurance coverage one
would consider would be a workers' compensation
policy. Workers' compensation insurance is intended
to provide coverage for medical and other relevant
costs resulting from employee injury but depending
on the specifi c situation may very well not consider
" volunteer workers " within the defi nition of covered
employees. In short, similar to with general liability
insurance, one should not automatically rely on a
workers' compensation policy to cover volunteerrelated
injuries or accidents either.

Condo Media - February 2022

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Condo Media - February 2022 - CT1
Condo Media - February 2022 - Cover1
Condo Media - February 2022 - Cover2
Condo Media - February 2022 - Contents
Condo Media - February 2022 - 2
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Condo Media - February 2022 - Cover3
Condo Media - February 2022 - Cover4
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