Accident Coverage
Accident insurance provides limited no-fault medical coverage for an injury to a volunteer sustained while volunteering for an organization. Accident coverage can help you fill a common coverage gap and provide support to the volunteers that help support your organization.
FAQs
What does accident insurance cover?
Accident insurance covers volunteers in a variety of situations, whether on site at an activity coordinated by you, or while they are driving to your location. Most accident policies offer reimbursement of medical costs in the event a volunteer is injured, disabled, dismembered or dies during their service to your organization.
Are volunteers covered by workers compensation?
Workers compensation insurance varies from state to state and each state has their own workers compensation laws regarding coverage for volunteers. Coverage for volunteers can be mandatory, optional or even excluded. Some workers compensation laws explicitly require individuals be considered employees to access coverage under workers compensation. Workers compensation coverage can be cost-prohibitive for the types of organizations, like non-profits, that tend to utilize volunteers so accident coverage can be great alternative option.
Aren’t volunteers covered by health insurance?
A volunteer might not have primary medical insurance. Having accident coverage for your volunteers can help protect your organization from potential litigation. If your volunteer does have medical insurance, accident insurance can apply prior to, or in excess of, a volunteer’s health insurance policy.
Does my organization need accident coverage?
If you utilize volunteers, you should invest in accident coverage. The more volunteers you have and the more hours they pledge to help your organization, the higher the risk of potential injury. Plus, accident coverage is a great way to express gratitude for the time and effort your volunteers commit to your mission.
Check the facts
According to the U.S. Bureau of Labor Statistics, about 62.6 million people volunteered through or for an organization in 2015.