Volunteer Medical Insurance protects an organization’s volunteer workforce for medical costs associated with an accidental injury incurred while working on behalf of the organization.
An organization’s employees are covered under Workers’ Compensation, but its volunteers are not. Volunteer Medical Insurance works similar to a traditional medical insurance policy.
Does Your Nonprofit Need Volunteer Accident Coverage?
Any organization that uses a volunteer workforce.
As a nonprofit organization, you know just how valuable your volunteers can be. You’re determined to help your community, and generous people give up their time and/or money to help you achieve that. Volunteers are a wonderful addition to a nonprofit’s cause, but they also come with varying experience and do not tend to go through rigorous background checks like employees do. This means that, in some cases, they can be prone to accidents or wind up in risky situations. Volunteer medical coverage is a type of insurance that is tailored to your nonprofit. Even if you have a handful of volunteers, securing this coverage is a smart and feasible way to ensure you are protected in an accident.
Volunteer medical coverage is purchased by the nonprofit and used to reimburse medical costs directly related to the injury of a volunteer. It kicks in if a volunteer is injured while working for your nonprofit organization and can include serious injuries such as loss of limbs or loss of life.
Sometimes a nonprofit will neglect to invest in volunteer medical coverage because they believe that volunteers are already covered via other types of insurance. While volunteer medical coverage may not be essential to most businesses, if your organization makes use of many unpaid workers. as many nonprofits d, the coverage is one of the first places you’ll want to put some money.
Charity Insurance Services offers free, comparative quotes on volunteer medical insurance from multiple insurance carriers so you can get the best possible rate.
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