Workers Compensation May Be a Good Fit for Non-Profit Organizations
Volunteers are the bread and butter of non-profit organizations. Unfortunately, they can also add risk especially when they become injured or ill while working for the organization. Many organizational leaders want to know about volunteers covered under workers compensation.
Some volunteers may be covered under the states workers compensation policy depending on the state. For example, in Indiana, volunteer firefighters and rostered volunteers can seek coverage under workers compensation should they be injured while working for the organization. Organizations may also decide that the risks of the project or cause are worth the expense of a workers compensation policy even though it is not required.
For those not covered under workers compensation, the organization does have other options to limit their liability. As seen on www.caitlin-morgan.com, organizations can have signed hold-harmless agreements by volunteers limiting the organizations liability. Or the company can help pay for medical bills through an accident & health policy, group accident/disability policy or even a commercial general liability policy. Depending on the risks associated with the volunteer activities, one or more of these options may be right for each project.
Volunteers covered under workers compensation may vary by state. For those not covered, organizations have options to limit their liability against volunteer injury or illness.