A community association should consider obtaining which two types of insurance to cover employee-related liabilities?

• A. Fire and Liability Insurance
• B. Workers' Compensation and Employers' Liability Insurance
• C. Flood Insurance
• D. Vehicle Insurance

Answer: (B)

The concept here is that employee-related liabilities are best covered by insurance that specifically protects workers if they’re injured and by insurance that protects the employer from related legal claims. Workers’ compensation provides medical benefits and wage replacement to employees who are injured on the job, and in most jurisdictions it’s required by law. Employers’ liability insurance covers the employer’s legal exposure that can arise if an employee sues over a workplace injury or if there are damages not fully addressed by workers’ comp. Together, they offer comprehensive protection for both the employee’s needs and the association’s financial risk. Other options like fire, flood, general liability, or vehicle insurance don’t address on-the-job injuries or the employer’s potential legal claims in the same way.