Correct me if I am wrong, but surely a court would hold that these policy exclusions targeting an “employee” or a “worker” of a maintenance company, would equally apply to a person who is self employed?
Aren’t the exclusions from the insurer’s liability rather than the legal liability of the owners corp? In which case, self-employed tradies would also be excluded, as you say.
It’s a common misconception in strata that if the insurer won’t cover an issue then the owner’s corp is not liable. In fact, it’s usually the opposite – the OC’s liability is unlimited in many if not most cases.