Mitigating Your Exposures as a Nonprofit or Volunteer Organization

Business enterprises know that there are certain operational risks that they have to manage and mitigate. Insurance policies for property, workers’ compensation, professional liability are just some of the common coverages that businesses purchase to protect their finances. The obligation for a company to take care of its workers and work product may be obvious, but what about nonprofits or organizations that are staffed by volunteers? Are volunteers covered by public liability insurance? Here are some things you should know about volunteer coverage.

Covering Your Organization

It’s important for you to have the insurance products that address your exposures as an organization. You need to consider the needs of your volunteers as well as claims that could arise as a result of their actions. Examine the following coverages:

  • General nonprofit liability – Protects against claims due to bodily injury, property damage and personal injury experienced by third parties on the premises or due to your efforts or deliverables
  • Separate public liability – Covers volunteer workers’ liability or injuries
  • Accidental medical reimbursement – Provides coverage in states where volunteer coverage isn’t required
  • Directors and officers liability – Offers coverage for claims based on the actions of a governing board such as wrongful termination or discrimination

Protecting the Mission

Your organization has an overall mission that depends on the efforts of volunteers. Protecting your volunteers helps to protect your mission. Find an insurance plan that is customized to meet your specific needs.