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 Breweries, Wineries, Distilling, Bottling & Distribution Domestic Workers HOAs, POAs & Condo Assoc. Lawn Care & Landscaping Roofing Security Guards Tree Trimming