If an association does not have employees, why would it choose to purchase workers' compensation insurance?

$($a$)$ The association's president is an insurance agent.

$($b$)$ The association does not have adequate liability coverage.

$($c$)$ It is required by the Flonda's Division of Workers' Compensation.

$($d$)$ The association's policy can cover a claim against the association by a member's senice provider who is injured on association property.