Volunteer Accident & Liability Coverage
Protecting those who give their time to your cause
Volunteers are the lifeblood of every nonprofit. They show up, give back, and make your mission possible.
But accidents can happen—even in the most caring environments.
Volunteer Accident and Liability Insurance from NonProfit Insuror South helps you protect the people who serve alongside you and ensures that one mishap doesn’t create financial hardship for your volunteers or your organization.
Why your nonprofit needs volunteer coverage
General Liability Insurance protects your organization—but not always your volunteers.
Volunteer Accident and Liability coverage fills that gap by providing medical and liability protection for individuals who donate their time to your programs or events.
Out-of-pocket medical expenses for the volunteer
Lawsuits against your nonprofit
Lost volunteer trust or reputational harm
Unnecessary claims on your General Liability policy
This affordable protection helps you care for your volunteers the same way they care for your community.
Two types of protection in one program
1. Volunteer Accident Coverage
Provides no-fault medical reimbursement for volunteers who are injured while performing approved duties.
Typical benefits include:
Medical expense reimbursement (up to a set limit)
This coverage allows volunteers to seek treatment without worrying about deductibles or personal insurance complications.
2. Volunteer Liability Coverage
Protects your volunteers if they are personally sued for negligent acts committed while volunteering for your organization.
Coverage may include:
Bodily injury or property damage caused by a volunteer
This protection reassures volunteers that they can serve confidently—without personal financial risk.
Who needs this coverage
Almost every mission-driven organization benefits from volunteer protection, including:
Youth and mentoring programs
Food banks and shelters
Churches and faith-based ministries
Community development and outreach groups
Arts, culture, and education nonprofits
Environmental and clean-up organizations
Event-based volunteer teams
If volunteers represent your nonprofit in the community, you should have this coverage in place.
Affordable, flexible protection
Volunteer Accident and Liability policies are cost-effective and easy to implement.
Coverage can be written annually or per event, with benefits customized to your organization’s needs.
Typical limits:
Accident Medical: $10,000–$50,000 per incident
Liability: $1,000,000–$2,000,000 aggregate
Your NonProfit Insuror South advisor will help design the right plan based on your volunteer count, activities, and risk level.
How NonProfit Insuror South helps
We understand that volunteers are more than helpers—they’re ambassadors of your mission.
We’ll make sure your coverage is compliant, affordable, and ready before your next volunteer activity or event.
Protect your volunteers. Preserve your mission.
Your volunteers give their time, energy, and heart—make sure they’re covered if something goes wrong.
Let NonProfit Insuror South help you put the right protection in place so everyone can serve safely.
