The Importance of Volunteer Liability Insurance & Insuring Them Separately

Save your insurance limits for your organization by covering volunteers with a separate volunteer liability policy from the VIS Volunteer Insurance Program. Our specialized liability program benefits everyone. You increase your nonprofit’s coverage, and volunteers get a financial safety net when unexpected mishaps occur. We offer volunteer liability coverage and excess automobile liability insurance. Here are some specific highlights:

• Our volunteer liability insurance program covers volunteers in situations where volunteer actions caused damage to another’s property or physical harm to an individual. If a volunteer is sued, we cover liability up to $1 million.
• Our auto liability policies for volunteers are written as excess coverage and require volunteers to have at least the minimum auto insurance required by the state where they are registered. Our policy offers coverage above minimum state requirements or volunteers’ personal policies, if greater.  Auto liability policies have a limit of $500,000.
• Volunteers must look to their own auto policies to cover costs for repairing or replacing personal vehicles.

In addition to personal and auto liability policies, we also provide volunteer insurance in two other important areas. These are:

• Volunteer/employee dishonesty
• Accident insurance

Our volunteer program is flexible to meet your needs. You can choose to insure volunteers under just one of these four areas, under all, or in any combination. Our volunteer insurance policies are written annually.

As a VIS member, you can access many informative articles 24/7 in the member-exclusive VIS Vault. New content on many aspects of risk management is added regularly. Memberships, which normally cost only $25 annually, are now being offered to new members free for one year. Join now!

About VIS

Volunteers Insurance Service Association, Inc. (VIS) was established in 1972 for the purpose of providing insurance and risk management services for volunteer-based organizations. In addition to still providing these insurance services today on a nationwide scale, we have expanded to provide noninsurance resources for members to manage their risks and improve their operations. By transferring the volunteer risk exposure to our program, we can help you protect your organization. Contact us today at (800) 222-8920 for more information on our programs and services. Join now!