When your business or non-profit relies on volunteers to help fulfill its mission, it’s essential to take care of those volunteers. Unfortunately, most states’ worker’s compensation policies don’t cover volunteers, so if something were to happen to one of them or they were to cause an accident, your business would be at risk of a lawsuit.
One of the best ways to minimize liability and protect volunteers is to purchase volunteering insurance.
What Is Liability?
Liability means taking legal responsibility for an incident. Accidents happen, whether your volunteers are driving vehicles, working with animals, helping in dangerous areas, or doing home construction. Whenever a volunteer is injured, injures someone, steals, or causes property damage, the organization must take legal responsibility for what occurred.
Why Purchase Volunteering Insurance?
The main reason to purchase insurance is to minimize liability. Having the right amount and type of insurance coverage will help your organization be better prepared in the case of an accident.
Another reason to consider volunteer insurance is that it can save your non-profit from spending large amounts on court fees and settlements. Legal proceedings quickly add up and can often cost more than an insurance policy premium. The insurance helps compensate the victims so that you don’t have to use your precious funding or donations.
Volunteer liability can help you to run your business with peace of mind, knowing that your volunteers and organization are protected should an accident occur.