The Need for Volunteer Accident Coverage

The Need for Volunteer Accident Coverage

Nonprofits rely heavily on the help of volunteers who come in with a passion for the cause that you represent, and don’t expect to get paid in return. However, even with this good will, if any of these helpful individuals are hurt while volunteering for your organization, you could in fact be held liable for any damages that are caused.

A common misconception is that volunteer insurance falls under a general liability policy, even though this isn’t the case. With this in mind, it’s important for nonprofits and historic organizations to choose historic insurance coverage that’s specifically designed to cover their volunteers, such as volunteer accident coverage.

Here are some reasons and examples why this kind of historic insurance is needed in order to protect against volunteer liabilities.

Built-In Liabilities

There are a few types of volunteer liabilities that can affect your organization. For direct liability, organizations and volunteers can be held liable for issues with the screening process. Depending on your operation, the screening process should be diligent in making sure all volunteers meet a certain standard and are researched to the extent that they can be trusted.

For indirect liability, a nonprofit is liable for the actions of a volunteer on the organization’s behalf. This can happen when a volunteer damages property while working on behalf of the historic entity. Medical bills that are gathered by someone after an injury while supervised by a volunteer at an event are also on the hook.

Finally, there’s strict liability, which illustrates the need to determine negligence is not necessary on account of the responsibility for inflicting harm is automatic.

These ideas are a little broad, so let’s look at some specific situations that affect volunteer insurance.

Cyber Threats

As more and more nonprofits become more digitally savvy, there are rising risks that come with it. Using databases to keep records and donations can put a nonprofit in the crosshairs when it comes to the acts of cyber criminals. Volunteers who are not trained on computer and data safety could put an organization at risk of ransomware, viruses, phishing scams, malware, and major financial loss.

Policy Coverage

Volunteer accident coverage includes accidental, disabilities, dismemberment, medical, and death. This kind of historic insurance coverage is programmed to cover medical claims for a volunteer’s service-related injury that goes above and beyond what is carried through mandatory health care. If a volunteer becomes injured or disabled on a long-term basis, this kind of historic insurance typically includes a temporary total disability benefit.

Volunteer accident coverage can help to provide a part of the volunteer’s wages if they happen to miss work for a certain period of time after an accident occurs.

Is It Affordable?

Volunteer accident coverage, part of a historic insurance policy, is usually very affordable. The cost is tallied up based on how many volunteers are in an organization and what type of services the volunteers are providing. Someone may be less of a liability if they are volunteering as a legal consultant compared to someone at a foodbank driving a forklift, for example. The important thing to do is to contact your local volunteer insurance provider, such as NTIS, to make sure you receive accurate information on the benefits of having this kind of historic insurance on hand.