Do You Need Employers Liability for Volunteers?

If volunteers make up a part of your workforce, you need to take steps to address any potential risks they may face while performing their duties.

You must have a proper training protocol to ensure safety and reduce risks. Carefully select supervisors that will maintain procedures and ensure smooth operations. Also, secure adequate insurance coverage for your organization. Employers liability for volunteer workers covers costs that may arise from accidents or lawsuits.

Are Volunteers Covered Under Workers’ Compensation?

Most states do not require that workers’ compensation policies cover voluntary workers. Obtaining insurance that explicitly protects volunteers allows you to operate your nonprofit with the peace of mind knowing you have coverage to help pay expenses stemming from misfortunes or legal claims.

What Does Volunteer Insurance Cover?

This type of policy helps pay the attorney fees, court costs, judgments or settlement amounts in the event of a lawsuit against your company. Mishaps and liability concerns are not unique to paid employees.

Employers’ liability for volunteer workers mitigates expenses that are not covered by a general liability policy or workers’ compensation. Adding volunteer insurance also protects your nonprofit against costs stemming from job-related illnesses, injuries or deaths.

Unpaid workers likely face the same risks as employees. Therefore, it is essential to protect them and your business from possible accident or liability concerns. Contact an agent with knowledge regarding volunteer organizations to ensure you have adequate protections in place that mitigate potential risks associated with volunteer activities.