Do You Need Employers’ Liability Insurance for Volunteers?

One risk associated with using both paid employees and volunteers is that they can sue their employer for injuries they sustain on the job. Employers’ liability insurance is one way to manage this risk, but other types of insurance for volunteer workers cost less and also help reduce the likelihood of lawsuits occurring in the first place.

What Employers’ Liability Insurance Covers

When paid employees get hurt at work, workers’ compensation is the type of insurance that pays for their medical bills. If they decide to sue their employer for negligence, workers’ compensation also covers legal expenses. Because most employers do not cover volunteers under this policy, some choose to purchase separate employers’ liability insurance, despite the additional cost.

Why Volunteer Insurance Is a Better Option

Employers can save money by covering non-paid staff under a volunteer insurance policy that reimburses them for medical bills. By offering this coverage, volunteers are much less likely to sue the organization for damages, potentially making employers’ liability unnecessary.

Volunteers can be both an asset and a risk to any organization. By considering which liability issues might arise, it is possible to come up with a risk management plan that works. Talk to your insurance agent about how volunteer insurance can be part of this plan.