Volunteers are at the heart of many nonprofit organizations. Whether they’re helping at community events, delivering services, organizing donations, or supporting day-to-day operations, volunteers play a critical role in helping nonprofits fulfill their mission.
But what happens if a volunteer gets injured while helping your organization?
Many nonprofits assume workers’ compensation insurance automatically covers volunteers. In reality, coverage rules vary by state, and volunteers are often treated differently than employees. That’s why nonprofits should review their insurance and risk management strategies carefully to help protect both their organization and the people donating their time.
At Bender Insurance Solutions, we work with nonprofits to identify potential coverage gaps and build insurance programs designed to support their operations, staff, and volunteers.
Does Workers’ Compensation Cover Volunteers?
Workers’ compensation insurance is designed primarily for employees. Depending on your state regulations, volunteers may not automatically qualify for coverage under a workers’ compensation policy. In some states, nonprofits may have the option to include volunteers, while in others, coverage may be limited or unavailable.
Because requirements differ, it’s important to review your organization’s policies and understand exactly who is covered.
Volunteer Accident Insurance
One solution many nonprofits consider is volunteer accident insurance.
This coverage can help pay for medical expenses if a volunteer is injured while performing duties on behalf of your organization. In some cases, policies may also provide benefits such as:
- Disability income coverage
- Accidental death and dismemberment benefits
- Limited travel-related coverage
- Reimbursement for certain out-of-pocket medical costs
For volunteers without health insurance, this coverage can be especially valuable.
Risks Involving Volunteer Drivers
If volunteers drive as part of their responsibilities — whether transporting supplies, delivering meals, or traveling between worksites — your organization may face additional liability exposure.
Vehicle accidents remain one of the leading causes of workplace-related injuries. If volunteers use their personal vehicles, their own auto insurance is typically the primary coverage source. However, organizations should still evaluate potential liability risks and insurance considerations.
If volunteers regularly drive on behalf of your nonprofit, it’s important to discuss:
- Personal auto insurance requirements
- Hired and non-owned auto liability coverage
- Accident coverage for volunteer drivers
- Driver screening and safety procedures
Workplace Violence and Safety Concerns
Nonprofits also need to consider the possibility of workplace violence or other safety-related incidents involving volunteers.
Depending on the circumstances, workers’ compensation or general liability policies may provide limited protection. Some organizations may benefit from additional workplace violence or crisis response coverage.
Every nonprofit faces unique exposures based on its mission, services, and community involvement. Reviewing these risks proactively can help organizations better prepare for unexpected situations.
Protecting Volunteer Leaders and Professionals
Many nonprofits rely on volunteer board members, advisors, and professionals who donate their expertise.
These individuals may still face allegations related to decisions, professional advice, or services provided on behalf of the organization.
Examples can include claims involving:
- Wrongful termination
- Discrimination
- Mismanagement
- Professional errors or omissions
- Alleged negligence
That’s why nonprofit organizations often need coverage such as:
- Directors and officers (D&O) liability insurance
- Employment practices liability insurance (EPLI)
- Professional liability insurance
These policies can help protect both the organization and the individuals serving it.
Prevention Is an Important Part of Protection
Insurance is only one part of a strong volunteer protection strategy.
Nonprofits should also focus on proactive risk management measures, including:
- Volunteer safety training
- Written procedures and protocols
- Appropriate supervision
- Personal protective equipment when needed
- Driver safety guidelines
- Hold-harmless agreements and waivers where appropriate
Creating a safer environment helps reduce the likelihood of injuries and claims while supporting a positive volunteer experience.
Reviewing Your Nonprofit’s Coverage
Every nonprofit organization operates differently, and volunteer-related risks can vary significantly based on your programs, services, and activities.
At Bender Insurance Solutions, we help nonprofits evaluate their exposures and explore insurance solutions designed to help protect their mission, volunteers, leadership, and operations.
If your organization relies on volunteers, now is a good time to review your current coverage and risk management plan.
This article is intended for informational purposes only and should not be interpreted as insurance, legal, or risk management advice.
