Workers' compensation: Unless the condo association employs four or more employees, workers' compensation is not legally required by the HOA or Condo Association. However, many condo associations which do not employ four or more people still purchase a "minimum premium insurance policy." The purpose of the minimum premium insurance policy is to provide stop-gap protection in the event an uninsured worker is injured on condo association premises. The benefit of workers' compensation is that it is the exclusive remedy for injured workers, meaning they cannot sue, but are entitled to a legally stipulated schedule of benefits to compensate them for their injuries. This should again be addressed in the declaration of condominium association.