Voluntary Workers
The cover for Voluntary Workers protects you against accidental injury and/or death of your volunteers or persons performing unpaid work on behalf of the insured such as charities, clubs and churches. It provides benefits such as medical expenses and weekly payments whilst the injured person is convalescing.
Emergency Home Assistance
Coverage for essential home modifications and domestic assistance when a volunteer suffers serious injury that impacts their ability to perform household tasks. This can include home cleaning services, meal preparation, and temporary modifications to accommodation.
Weekly Injury Benefit
Provides financial support through weekly payments to volunteers who are temporarily unable to work at their regular employment due to injuries sustained while volunteering. This benefit helps replace lost income during the recovery period, reducing financial stress for volunteers.
Accidental Death and Disablement
Compensation for permanent disability or death resulting from accidents during volunteer activities. This includes lump sum payments for total and partial permanent disability, providing crucial financial protection for volunteers and their families during the most difficult circumstances.
Non-Medicare Medical Expenses
Covers out-of-pocket medical expenses that aren’t covered by Medicare or private health insurance, such as physiotherapy, chiropractic services, dental treatments, and prescribed medications related to the volunteer injury. This ensures volunteers don’t face unexpected healthcare costs.
Funeral Expenses
Financial assistance for funeral costs in the unfortunate event of a volunteer’s death from injuries sustained during volunteer work. This benefit helps ease the financial burden on families during a time of grief.
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Who is considered a voluntary worker under this policy?
A voluntary worker is someone who performs unpaid work for your organisation with your knowledge and consent. They must not receive any financial reward other than reimbursement for reasonable expenses. Board members, committee members, and casual helpers at events are typically covered when performing duties for your organisation.
Are there age limits for voluntary workers coverage?
Most policies cover volunteers between ages 12 and 85, though coverage terms may vary for volunteers under 18 or over 75. We can discuss specific age-related terms and any available options for extending coverage beyond standard age limits for your organisation’s particular needs.
What activities are excluded from voluntary workers insurance?
Standard exclusions typically include dangerous activities such as skydiving or racing, pre-existing medical conditions, self-inflicted injuries, and injuries occurring while under the influence of alcohol or drugs. Professional sports participation and offshore work beyond territorial waters are also commonly excluded. We recommend discussing your specific volunteer activities during the quoting process.
How does voluntary workers insurance complement public liability insurance?
While public liability insurance protects your organisation against claims from third parties (including volunteers) who suffer injury or property damage, voluntary workers insurance specifically provides benefits directly to injured volunteers regardless of fault. These policies work together to provide comprehensive protection for both your organisation and the volunteers who support it.
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The cover for Voluntary Workers protects you against accidental injury and/or death of your volunteers or persons performing unpaid work on behalf of the insured…