From the volunteers who serve meals to the staff managing programs, your nonprofit’s impact depends on the individuals who show up every day to make a difference.
But what happens if one of them gets hurt while serving?
That’s where workers’ compensation insurance comes in — a vital safeguard for both your team and your organization.
What Workers’ Compensation Actually Does
Workers’ compensation coverage provides benefits to employees (and sometimes volunteers) who experience a job-related injury or illness. It helps pay for:
- Medical expenses and treatment
- Lost wages while they recover
- Rehabilitation or physical therapy costs
In return, it also helps protect your nonprofit from lawsuits related to workplace injuries.
Why Nonprofits Need It Too
Some nonprofits assume they’re “too small” or “too low-risk” for workers’ compensation — but accidents can happen anywhere.
Here are a few real-world examples:
- A volunteer trips while setting up chairs for a fundraiser.
- A staff member strains their back lifting food boxes.
- A maintenance employee slips on icy steps outside the building.
Even if your nonprofit feels like a family, medical bills and wage losses can quickly turn into significant costs. workers’ compensation coverage helps ensure those who help you serve others are taken care of when they need it most.
Coverage That Meets Legal and Ethical Standards
In many states, workers’ compensation is required once you have employees — even for nonprofits. Beyond compliance, it’s also a reflection of your organization’s values.
Providing coverage says, “We care about the people who make our mission possible.”
Building a Safer Workplace
The best protection starts with prevention. Pairing workers’ compensation with proactive safety efforts helps reduce risks and costs long-term. Consider:
- Regular safety walk-throughs
- Volunteer and staff training sessions
- Seasonal reminders for weather or event hazards
Small steps like these build a safer, more confident environment for everyone involved.
Your nonprofit exists to make life better for others — and workers’ compensation helps your team stay protected while doing that important work.
If you’re unsure whether your organization’s current policy covers every employee and volunteer appropriately, it’s time for a review.
Because when you take care of your people, they can keep taking care of your mission.