Non-profit businesses, schools, community associations and social service agencies often utilize volunteers to assist them in providing services to the public. Volunteers can save a business millions of dollars in payroll and provide a much-needed source of manpower for these agencies.
Under the standard General Liability policy, volunteers are eligible for medical payments. Other coverage is available only through a claim or legal proceeding that alleges negligence.
Volunteer insurance may provide coverage for Liability, Automobile, and Accidental Death & Dismemberment while in the performance of the volunteer duties for an organization. The coverage helps elevate the status of a Volunteer to that of an employee who is covered under Workers Compensation and allows the volunteers to have some coverage even while they are not a paid employee.
Volunteer insurance can vary by carrier. Policies can be issued for a full policy year, for a special event, or for a specified period (such as a summer camp, or band or mission trip).