Volunteerism and the Role of Insurance
Although insurance does not prevent losses or safeguard volunteer program participants, it can help pay for insured losses and the cost of investigating or defending allegations of wrongdoing.
There are three basic categories of insurance claims:
1. Claims filed for harm or loss suffered by a volunteer.
2. Claims filed for harm or loss caused by a volunteer.
3. Claims filed for harm or loss caused by that volunteer.
No single policy addresses every risk and various insurance products respond to the different types of claims and losses that might result from volunteer service.
For example, medical claims for a volunteer's services-related injuries will first be covered by the volunteer's existing health care coverage. You might consider buying a Volunteer Accident Policy to provide excess coverage over the volunteer's personal coverage. Accident and injury policies will pay claims regardless of who is at fault. Since they provide "excess insurance"--they pay only after other available insurance pays--these policies are relatively inexpensive.
Insurance is available to protect municipalities from harm caused by volunteer staff. To protect your municipality against liability claims, there is municipal General Liability, Directors' and Officers' Liability, Professional Liability and Automobile Liability coverages.