Is an HOA required to carry workmans compensation insurance to protect them from people they hire to do work?
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Yes, if they have people working for them other than as employees of contractors or other companies. The homeowner's association is a legal entity, a "person," and is subject to the Workers' Compensation statutes, as well as most other laws, on the same basis as any other person or business.
Workers compensation is actually a good deal for employers. Compared to a fault-lawsuit-based system, compensation is far simpler to determine and much less costly, for workplace injuries.
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