There are several benefits to using volunteers when running a business. Volunteers provide a sense of community, and the savings can be quite substantial. However, if a volunteer is injured while working, there is a unique liability the company could be exposed to. Here are the facts about volunteer workers’ comp requirements and how to minimize risk.
What Does Workers’ Comp Cover?
Workers’ comp provides coverage for paid employees, and most policies do not include volunteers. Regulations can vary depending on the state and the volunteer’s position. In some states, workers’ compensation will cover rostered volunteers and volunteer firefighters. There are also policies that provide the option to add on voluntary coverage.
What Other Coverage Is Available for Volunteers?
There are several insurance policies available for volunteers that are not covered under workers’ comp. These options include:
- Commercial general liability
- Accident and health policies
- Group accident/disability
Depending on the nature of the work, a hold-harmless agreement can be used to protect a business from liability. Some volunteer positions carry inherent risk, and it is essential to find the proper amount of coverage.
Using volunteers is an excellent way for a business to grow. Knowing the volunteer workers’ comp requirements and having the right protection will safeguard against any unforeseen circumstances.