• Skip to primary navigation
  • Skip to main content
  • Skip to footer
Fire and General Insurance

Fire and General Insurance

Fire and General Insurance Brokers

Menu
  • Home
  • About
  • Products & Services
        • Business Insurance

        • Business Insurance
        • Contract works
        • Corporate Travel Insurance
        • Cyber Protection Insurance
        • Marine Transit
        • Motor Insurance
        • Strata Insurance
        • Professional Risks

        • Professional Indemnity
        • Management Liability
        • Personal & Domestic

        • Home and Contents
        • Landlord Insurance
  • Resources
    • Business Quote Request
    • Documents
    • Home and Contents Quote
    • Motor Quote Request
    • Landlord Insurance Quote Request
    • Residential Insurance Calculators
  • News
  • Contact
  • 02 9653 1711

What is Volunteer Insurance?

August 27, 2021 By barksupport

Whether you run a charity, a not-for-profit, or regular live events, volunteer insurance exists to protect both you and the volunteers that work for you. From music festival ticket collectors to ongoing charity work, volunteers are often the most important part of your organisation, and they need to be protected from accidents. Volunteer Insurance will cover them for personal accidents, and they and your organisation will be at a serious disadvantage if you do not have the right coverage in place. If you want to attract the right volunteers and keep your vital volunteers safe and confident, this specific insurance is going to be an essential requirement.

Who Needs It

Many types of organisations will need to have the right volunteer insurance policy in place.  Community groups, charities that provide healthcare for the elderly or disadvantaged, religious organisations, recreation clubs, and any charity or organisation that runs events, all make use of volunteers. These workers will not be covered by a standard business insurance policy, as they are distinctly different from salaried employees. Volunteer insurance policies protect the volunteer, but they also protect the organisation from public liability claims caused by the volunteers.

Did you know?

  • There are an estimated one billion volunteer workers worldwide, and Australia has just under six million of them. (Volunteering Australia)
  • The Australian economy receives approximately $290 billion from the work carried out by volunteers. (Pro Bono Australia)
  • According to the 2020 census by the Australian Bureau of Statistics, volunteering rates were similar for males and females at 23% and 26%. Members of the population aged 40-54 were the largest group participating in voluntary work through an organisation. (Australian Bureau of Statistics)

What does it cover?

Employee insurance is very different from volunteer insurance, and you need to be aware of the protection that you are missing out on if your community group, non-profit, church, or charity makes use of volunteers. Volunteer insurance coverage means that you will get protection for:

Personal accidents: If a volunteer is injured while being involved in authorised volunteer activity, they will get protection and may receive weekly payments until they have recovered. This protects volunteers who are engaged in other work, as they may lose out on regular wages if they are injured while volunteering. It can even cover expenses caused by the accident and medical expenses.

Public liability: A well-tailored volunteer policy will also cover public liability. This type of policy will have a broader goal, and will offer protection for the organisation, any paid employees, and volunteers in cases of third-party personal injury or property damage. Not all volunteer policies will include public liability, so you need to confirm your coverage with your provider.

Voluntary Boards: If you have directors and board members that are categorised as volunteers, then you may want to include Professional Indemnity Liability. This will protect directors and officers from negligence by volunteers, defamation, slander, and sexual harassment. This is not usually included with a standard volunteer insurance policy, but may be a valuable addition if you make use of high-ranking professional volunteers.

Filed Under: News

Footer

Fire & General Insurance Brokers

30 Calderwood Road, PO Box 179,
Galston NSW 2159
Phone: 02 9653 1711
AFSL 231110 | ABN: 97 069 889 587

Financial Services Guide | Privacy Policy

Products & Services

  • Business Insurance
  • Contract works
  • Corporate Travel
  • Cyber Insurance
  • Marine Transit
  • Motor Insurance
  • Landlord Insurance
  • Home and Contents
  • Management Liability
  • Professional Indemnity
  • Strata Insurance

Copyright © 2022 · Fire and General Insurance Brokers | Website by