Are You a Volunteer?
If you are involved with community organizations and volunteer your time and energy for a good cause, you may not have considered your exposure to personal liability.
Volunteers involved with fundraising, whether for organized charities, minor league sports teams, or special causes such as helping a family with emergency expenses, are especially vulnerable.
If during the course of a fundraising event, you inadvertently cause bodily injury to a third party, you could potentially be named in a lawsuit. Where would you look for legal assistance?
Before volunteering, we recommend you confirm the organization has a general liability policy. Typically, this policy covers board members and employees, but not necessarily volunteers. If this is the case, ask if coverage can be extended to volunteers. What happens if no coverage is available to you ?
In the absence of any coverage provided by the organization, if you have a homeowner’s, condo, or tenant’s package, you automatically receive personal liability protection for most property damage and bodily injury claims arising out of your personal actions anywhere in the world. However, if you operate or use any motorized vehicle, trailer, or watercraft in your charitable activities that does not belong to you, make sure the owners have insurance and have provided you with consent. We do suggest you contact your Insurer to confirm what coverages your policy includes.