I volunteer my time to non-profit groups, charities. I am insured by the charity right?...... right?....

Understanding Insurance Coverage for Volunteers

When volunteering for non-profit groups or charities, it's essential to understand the insurance implications. Here are some key points to consider:

1. Insurance Provided by the Charity

- Many non-profits do provide liability insurance that covers volunteers while they are performing duties on behalf of the organization. - This insurance typically covers claims related to bodily injury or property damage that may occur during volunteer activities.

2. Personal Insurance Considerations

- It's also advisable to check your personal insurance policies, such as homeowner's or renter's insurance, as they may provide some coverage for volunteer-related incidents. - If you have personal liability insurance, it may cover you in case of accidents while volunteering.

3. Confirming Coverage

- Always confirm with the charity or non-profit organization about their insurance policies and what they cover. - Request documentation or clarification on how you are protected while volunteering.

4. Specific Activities and Risks

- Be aware that certain activities may not be covered under the charity's insurance policy, especially if they involve higher risks. - Make sure to discuss any specific roles or tasks you will be undertaking that may require additional coverage.

5. Waivers and Agreements

- Some organizations may ask volunteers to sign waivers or agreements that outline the risks involved and the extent of coverage provided. - Read these documents carefully to understand your rights and responsibilities.

Conclusion

It is crucial to ensure that you are adequately covered while volunteering. Always communicate with the organization to clarify any uncertainties regarding insurance coverage.