A Short Guide To Insurance For Volunteer Workers

It is common knowledge that business owners should have insurance coverage to protect them from financial damages. However, many volunteer organizations are not aware that they face many of the same risks. While volunteers are not paid, they still are often in a position to make an error which could result in significant financial damage to the individual worker or the volunteer organization. This is why it is vital to have insurance for volunteer workers.

Volunteer Worker Liability Insurance

Volunteer organizations need to be aware of the liability risks they face when it comes to their workers. Most workers’ compensation policies do not apply to volunteer organizations. If a volunteer worker gets injured on-site, the organization would be held liable for the worker’s medical bills and other injury-associated fees. ¬†Volunteer liability insurance can help pick up these costs.

General Liability Insurance

General liability insurance is a must-have for volunteer organizations. It can protect against a variety of claims regarding bodily injury and property damage.

D&O Liability Insurance

This type of insurance can protect the directors and officers of a volunteer organization. Some of the claims covered are:

  • Wrongful termination
  • Failure to hire/promote
  • Claims of emotional distress
  • Libel/slander
  • Invasion of privacy

Running a non-profit can be just as difficult and risky as running a business.  Insurance can help offer the protection you need.


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