What You Need To Know About Volunteer Insurance
When you run a nonprofit organization, you rely on your volunteers to serve the community and make a difference in the world at large. Though standard nonprofit insurance is enough to protect your full-time staff members and the organization itself, it’s not enough to protect your volunteers. To do that, you need dedicated volunteer insurance coverage.
What the Policy Does
A dedicated volunteer insurance policy helps reduce your organization’s liability risk across the board. Since your volunteers represent your organization, they’re often the ones interacting with the public and providing services to the greater community. This means they’re at risk for liability issues and damages if they’re not careful. The volunteer policy extends liability protection to your volunteers when they’re representing your organization and engaging with the public.
What To Look For
The right volunteer coverage for your organization largely depends on the types of activities your volunteers will be involved in. When shopping for a policy, look for the following characteristics:
- Specific coverage for volunteers, not employees
- Enhanced liability coverage both on and off-site
- Affordable monthly premiums
- Coverage limits that fit your needs and risks
- Great client support
- A clear claims process
Insuring your volunteers in addition to your employees is the best way to protect your organization in the long-run. Choose a dedicated volunteer policy and you’ll be able to protect your team at all times.