Some states require volunteers to be covered under a worker’s compensation policy. In those cases, medical expenses and loss of use would be covered through the worker’s comp system. However, in places where it isn’t required, you have other options to limit employer liability with volunteer groups.
Understanding the Liabilities Volunteers Present
When anyone does work on behalf of your business, they represent you. As a result, your business could be held liable for any faulty work or improper conduct. Injuries or damages resulting from a vehicle accident while volunteering, a slip and fall accident after improper maintenance, or food poisoning if your volunteers prepare or serve meals are just a few of the most common occurrences. You and your business might also be named in lawsuits against volunteers.
How To Ensure Your Volunteers Are Covered
Just like you would add any new employees to your insurance policy, you should follow the same procedures with new volunteers. While they might be automatically covered by your liability coverage, it is often better to secure a separate volunteer policy with its own limits. This is an additional layer of protection in the case of legal claims against losses that result from volunteer actions.
Insurance is an effective risk management tool when you rely on volunteers. The right coverage can endure that any damages volunteers incur or cause to others are covered.