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Wrapped in Care: Protecting Your Holiday Volunteers

Volunteers

Written by Parker Berman

Volunteerism is the gift that keeps on giving the whole year, but the holiday season brings a surge of goodwill—and with it, a surge of volunteers. Nonprofit and religious organizations rely heavily on generous individuals to support food drives, community support initiatives, and seasonal events. And while their hearts are in the right place, their safety is often overlooked.

The Coverage Gap You Might Not Know About

Here’s the reality: volunteers are typically not covered under workers’ compensation. That means that if someone gets injured while helping your organization, they could be left to handle medical expenses on their own—and your organization could face unexpected financial or reputational consequences.

This is where Volunteer Accident Insurance steps in.

What Does It Cover?

Volunteer Accident policies provide limited medical coverage and accident benefits for volunteers injured while performing duties on behalf of your organization. It fills a critical gap that many nonprofits and religious groups don’t realize exists.

Why It’s Especially Important During the Holidays

  1. More Volunteers, More Risk
    Holiday events attract new and occasional volunteers who may not be familiar with your safety procedures or physical environment.
  2. Busy, High-Energy Activities
    From lifting boxes to setting up decorations, volunteers are often engaged in physical tasks that increase the chance of injury.
  3. No Workers’ Comp Protection
    Since volunteers aren’t employees, they’re not typically covered under workers’ compensation. Without a Volunteer Accident policy, they are exposed — and so is your organization.
  4. Demonstrates Care and Responsibility
    Offering this “goodwill” coverage shows that you value your volunteers’ well-being. It builds trust and encourages continued support.

Volunteers are the heartbeat of your holiday giving efforts. Protecting them isn’t just the right thing to do, it’s a smart move for your organization. Volunteer Accident Insurance closes a critical coverage gap, ensuring that those who give so much aren’t left vulnerable.