Volunteering is a selfless act that helps build stronger communities and makes the world a better place. Unfortunately, accidents can happen while volunteering, and it’s important to be prepared. Volunteer accident insurance provides coverage for volunteers who are injured while performing volunteer work. In this blog post, we’ll discuss what volunteer accident insurance is, why it’s important, and how to get coverage.
What is Volunteer Accident Insurance?
Volunteer accident insurance is a type of insurance that provides coverage for volunteers who are injured while performing volunteer work. This type of insurance is usually purchased by organizations or groups that use volunteers, such as non-profit organizations, schools, and churches.
Volunteer accident insurance provides coverage for medical expenses, disability, and accidental death and dismemberment. It can also provide coverage for lost wages, transportation costs, and other expenses related to the accident.
Why is Volunteer Accident Insurance Important?
Volunteer accident insurance is important for several reasons. First and foremost, it helps protect volunteers in the event of an accident. If a volunteer is injured while performing volunteer work, they may not have adequate health insurance to cover their medical expenses. Volunteer accident insurance provides coverage for these expenses, ensuring that volunteers can get the medical care they need without having to pay out of pocket.
Secondly, volunteer accident insurance helps protect the organizations that use volunteers. If a volunteer is injured while performing volunteer work and doesn’t have insurance coverage, they may file a lawsuit against the organization to cover their medical expenses. Volunteer accident insurance provides coverage for these types of claims, protecting the organization from financial loss.
Finally, volunteer accident insurance can help attract and retain volunteers. If an organization provides volunteer accident insurance, it shows that they care about the safety and well-being of their volunteers. This can help attract new volunteers and retain existing ones.
How do I Get Volunteer Accident Insurance?
Getting volunteer accident insurance is easy. Conservation United providers this type of coverage, premiums start at just a few hundred dollars for an annual policy.
When shopping for volunteer accident insurance, it’s important to consider the needs of your organization and the volunteers. Some things to consider include:
- The types of volunteer activities that will be covered
- The amount of coverage needed
- The deductible and co-insurance amounts
It’s also important to work with an experienced agent like Conservation United who understands the unique needs of non-profit organizations and volunteer groups.
Contact us today for a quote!
