HOAs, POAs and Condo Associations On “IF ANY” basis with employees Available in most states Send with $1,000 in payroll to meet minimum premium. Workers’ Comp Niche ProgramsArtisan Contractors Boat Tours Domestic Workers Dump Truck Drivers HOAs, POAs & Condo Assoc. Home Healthcare and Assisted Living Facilities (ALFs) Lawn Care & Landscaping Roofing Tree Trimming