Thank you scotlandax – so we were in a position of knowledge I called icare and explained to the Customer rep the above her advice and those of her supervisor no our strata plan is not an ’employer’ they sent to me a link which you put in very simple details and the algorithm tells you yes or no – said link was for the State Insurance Regulatory Auth. So called them again was told no – workers comp not needed. Sent email to SM and other persons of authority at the SM- explaining the above contact and enclosing the links, the emails received from ‘the powers that be’ mentioned above. The person of authority after 2 days send the committee an email apologising for the error and refund of monies and policy cancellation. I could elaborate on the SM taking such a ‘blanket’ approach’ to the necessity of WC – but won’t.