Do non-profit organizations need to be protected by insurance coverage? Some volunteers think that they are protected adequately by federal or state immunity laws. These laws do provide some protection, but they often have a provisional clause that says that claims only fall under the immunity clause if they exceed the amount covered by insurance policies. This means that everyone involved in volunteer work, from the non-profit organization to the individual, needs to have insurance coverage that protects them from the most common lawsuits. Agencies, such as Care Providers, with experience specific to the needs of non-profits, are the best source of this insurance protection.
What are some examples of situations involving volunteers and an insurance claim that did not fall under the immunity clause? Suppose multiple helpers were working at a construction site and one volunteer unintentionally injured another. Another example involves those situations when an unpaid helper is injured because of a slip and fall while doing their work. Some non-profits have been held liable when one of their staff or volunteer members acted inappropriately.
Non-profit organizations need coverage such as general liability and property damage. They also need protection that has been planned specifically for the type of work that they complete as a normal part of their operation. Insurance providers, such as Care Providers, who provide coverage for non-profits and social service groups can tailor plans to suit the unique needs of each volunteer organization.