Q: Does a HOA have any liability for hiring an individual who does not have a Contractor's license?
The Individual has a business license and is insured but does not have a "Contractor's License". The individual would be hired to do routine road maintenance on the HOA's private roads, which would include snow removal.
A: To be on the safe side, you should ensure that all contractors doing work on HOA property should be licensed and insured.
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