You can give your volunteer drivers the liability protection they need, without putting your organization’s own protection at risk. Here’s how.
Most nonprofits have not added coverage for volunteers under their organization’s commercial automobile insurance policies – and they shouldn’t. So, when that volunteer calls, nearly all nonprofit Executive Directors have to tell the volunteer, “No, we do not have any insurance that can help.” Even those few nonprofits who have added volunteers as insureds under the organization’s automobile policy are shocked to learn the coverage is very limited – so limited that while you may believe you’re able to help – you’d be mistaken. The standard language used when adding coverage for volunteers limits coverage to accidents where the driver is transporting clients on the nonprofit’s behalf. Very narrow, and nearly always misunderstood.
If you want to be able to answer “Yes, we are able to offer some help” you need to join Volunteers Insurance Service and let us help you protect your very valuable volunteers. It’s easy, it smart, it’s “the right thing to do”, and best of all, it’s inexpensive.
It’s $7.45 per volunteer per year. So if you have, for example, 25 volunteers who use their own vehicles on their assignments, the total premium to cover them all would be less than $200 a year. With our membership and administration fee of $140, the total cost to insure 25 volunteer drivers is less than $350 a year. So, for the price of a movie ticket, you can provide additional limits of auto liability protection that could prevent a volunteer’s having a significant, and maybe disastrous, out-of-pocket loss.
Here is a link to our online application on the Website of The CIMA Companies, the administrator of our volunteer insurance program — https://www.cimaworld.com/form/vis-volunteers-insurance-service. Your exact cost is computed automatically for you, when you put in the number of volunteers you want to insure for excess auto liability.
If you would like to talk to a human about the program, Jennifer Yarnell or Vicki Brooks would love to hear from you. They are at 800.222.8920, Monday through Friday.
In addition to excess auto liability insurance, we also offer accident coverage in case your volunteers are injured, and volunteer liability coverage in case volunteers accidentally injure someone or damage someone’s property in activities other than driving. All the information is at http://www.cimaworld.com/nonprofits/cima-volunteers-insurance.