Volunteers are an instrumental part of many workforces, especially in the nonprofit sector. Since they’re not paid employees, however, there is often a great deal of confusion about whether or not they need to be covered by your company insurance. Read on for a brief primer about insuring volunteers.
Aren’t Volunteers Protected by Immunity Laws?
In a word, no. While some states do have immunity laws that protect organizations and their volunteers, these usually pertain only to insurance claims that go over the limit of the existing policy. For smaller events, like minute property damage, these immunity laws have no bearing.
What Policies Cover Volunteers?
Employee liability insurance and similar protections don’t extend to volunteers since they’re not employees. Instead, your general liability policy or similar coverage will likely need to be amended so that it includes volunteers staff as additional insureds.
What Are the Benefits of Insurance Coverage for Volunteers?
Making sure your insurance policy includes any volunteers that donate their time and services to your organization not only protects them, but it also protects you in the event that one of your volunteers has an accident or injures another member of your staff. What’s more, it makes your company more attractive to volunteers in the first place, as they’ll note that you take care of all of your workforce, paid or unpaid.
If your staff includes volunteers, your insurance should cover them. Talk to your agent about how your existing policies can be modified to protect your entire team.