Volunteering should never be a liability risk - safeguard your efforts with liability coverage solutions from XINSURANCE.
Avoid surprises by investing in specialty liability insurance solutions that actually cover you. As your insurance partner, we’re here to help.
The Importance of Volunteer Insurance
Volunteering is the selfless act of offering your time and skills to support a cause or community without financial gain. While this noble pursuit comes with its intrinsic rewards, it also carries potential liabilities. Often, volunteers may have some level of liability coverage provided by the organizations they serve; however, these policies typically have gaps and exclusions that could leave you significantly exposed to unforeseen incidents. This reality underscores the importance of having a robust liability insurance solution.
XINSURANCE recognizes that even well-meaning actions can lead to complicated and costly disputes. The reality is, standard liability coverages often are not designed with the volunteer’s full range of activities in mind, potentially leaving you unprotected when you most need support. We believe in empowering your volunteering efforts by eliminating the worry of such vulnerabilities. Our focus is on providing not just insurance solutions, but a true partnership, ensuring that your dedication to helping others never becomes a personal liability.
Liability Insurance for Volunteers: Who We Can Help
We can help all volunteers from all types of volunteer work, even the ones with higher liability risk, including:
- Community Development
- Healthcare Support
- Social Services
- Disaster Response
- Adventure & Wilderness Programs
- Environmental Conservation
- Arts and Culture
- Animal Care
- Education & Youth Development
- Emergency & Rescue Services
- Events with Large Crowds
- And More!
Volunteer Liability Insurance Coverage Options
General Liability
Provides coverage for injuries and property damage sustained by third parties.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Over The Road Physical Damage (OTRPD)
Physical damage to vehicles not owned by the insured that are being driven by a covered driver of the insured.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
Special Events Liability
Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
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Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Liability Insurance for Volunteer Workers
What is volunteer liability insurance?
Volunteer liability insurance is a type of coverage designed to protect volunteers and the organizations they work for from financial losses due to accidents, injuries, or damages that occur during volunteer activities. This insurance helps cover legal costs and damages, safeguarding volunteers and nonprofits from the financial strain of lawsuits. It often includes personal liability and might also cover excess automobile liability, providing essential protection and peace of mind for those involved in volunteer efforts.
Doesn't the organization I volunteer for provide enough insurance coverage?
Although many organizations offer some level of liability coverage for volunteers, it often comes with gaps and exclusions that leave volunteers vulnerable. Our personal liability insurance solution provides additional protection.
How can I determine if I have sufficient coverage through my organization?
You should request and review the organization’s insurance policy documentation, paying close attention to coverage limits and exclusions, to determine if additional personal insurance is needed. If you need help, we are happy to review your insurance policy and identify any gaps and exclusions that are leaving you exposed.
Can I be sued for accidents that occur while I'm volunteering?
Yes, volunteers can be held legally liable for accidents or damages that occur as a result of their actions. That is why it is important to have liability coverage that actually covers you!
Do all volunteers need liability insurance or just those in specific roles?
While those in higher-risk roles may benefit more, any volunteer could potentially face liability issues. It’s advisable for all volunteers to consider their liability insurance options.
How is volunteering different from working when it comes to liability?
From a liability perspective, volunteers can be at risk in similar ways to employees. However, as volunteers generally do not receive payment for their services, their protections under an organization’s policy could differ, oftentimes providing them with less coverage than employees.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
How much does volunteer insurance cost?
The cost of volunteer insurance is influenced by the nature of the activities, the number of volunteers covered, the desired coverage limits, the organization’s location, its claims history, and more. It’s best to contact us and tell us more about yourself and your insurance needs so we can provide a personalized quote.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Professional Liability
We provide professional liability insurance solutions that can include coverage for negligence or alleged negligence, harmful advice, personal injury, libel and slander, actions of employees, claims from past services, and more.
Small Businesses
We can provide customized liability insurance solutions tailored to your business’s unique needs. Even if another insurance company has declined, canceled, or non-renewed your business, we can still help you!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
