This is for groups which sometimes hire a person to do something for the group. It's about Labor and Industry and other insurance coverage, or lack of it. Nobody wants to live in fear of worst-case scenarios, litigations, and such. You buy some insurance. But then you need a job done, and just pay someone to do it.
Problems seem unlikely, but they can happen.
In building our common house, we mostly used professional contractors. In one such case, the carpenter had previously worked for us as a contractor through a local building coop. Family to support, lost work time, on top of surgery and rehab. We brought him flowers and soup and sympathy. The upshot is that we are pouring time, money and energy into understanding our legal options, trying to remain calm in the face of potential financial impacts that could range from inconvenient to really major.