XINSURANCE offers liability protection against claims when volunteering. Volunteer liability insurance is the protection you need. This coverage will protect you if you are negligent and cause harm to another while providing your services. Without it, you could have to pay thousands of dollars out of your pocket to satisfy a legal judgment resulting from a successful lawsuit against you. The right liability policy will safeguard your assets and give you true peace of mind.

At XINSURANCE, we’ll work with you to develop an all-in-one liability policy tailored to your unique needs. Depending on your situation, your plan may include:

• Directors & officers liability: Some volunteers serve as directors or officers of nonprofit organizations. D & O insurance protects against claims that arise during the execution of volunteer duties, such as wrongful termination, discriminatory practices, and mental anguish/emotional distress. Other coverage options may include libel and slander, invasion of privacy, malicious prosecution, copyright infringement, and plagiarism.
• Volunteer dishonesty: Even in organizations that implement stringent screening procedures for volunteers, it’s possible for a dishonest individual to slip through. This coverage protects against dishonest actions committed by volunteers, such as fraud, forgery, embezzlement, and theft. For example, if a volunteer with accounting or bookkeeping responsibilities discreetly transfers money from a nonprofit’s treasury to their bank account, it’s time for volunteer dishonesty coverage to protect you.
• Excess auto liability: Volunteers sometimes use their personal vehicles when rendering certain services, such as taking elderly individuals to the grocery store or their doctors’ offices. While these individuals’ auto policy will likely provide coverage if they are involved in an accident that causes injuries or property damage, what happens if the total costs exceed the limits of their policy? Excess auto liability insurance can protect the volunteer and driver in these situations.
• Individual liability: The organization you serve may or may not choose to add you to their general liability policy as an insured volunteer. If they did, it would cover damages resulting from your negligence. It’s important to find out if the organization covers you on their plan. If not, you’ll likely need a volunteer liability plan to protect your interests if you cause harm to another.

At XINSURANCE, we specialize in helping businesses and individuals who have trouble finding coverage elsewhere. If you’ve been declined, non-renewed, or canceled, we can provide a solution. We offer policies with limits up to $10 million and up to $20 million through our reinsurance partners. When you work with us, you’ll sleep better knowing you’re doing all you can to protect your assets.

Our fast, hassle-free application process makes it easy to get the liability coverage you need. Start by filling out and submitting our online app. Our underwriters will then schedule a convenient phone call to discuss the risk with you. Next, we’ll send a quote for your approval. If you agree to the terms and pay the first premium, we’ll issue your new policy right away.

To get started on obtaining liability insurance for volunteers, complete the form above. If you have any questions and would like to speak to a representative, give us a call at 877-585-2853.