Volunteers are a great source of assistance to many associations; however as they do not receive wages, they are not covered by Workers Compensation Insurance. This being the case associations should seek to protect their volunteers from injuries that may occur whilst helping out, this can be done through Voluntary Workers Insurance also known as Volunteers Personal Accident Insurance or Volunteer Accident Insurance.
Considering the benefits of volunteers to associations the policies are quite inexpensive and depending on the options selected can provide cover for accidental death, disablement and incapacity to carry out normal duties.
All associations that have volunteers and/or a non paid committee of management should strongly consider taking out Voluntary Workers Insurance.
Note: Don't forget about your board of management, they are assisting in the direction of the association largely and should not be excluded from protection.
Check with your broker that your policy covers you volunteers to and from work.
Age limits are always noted on the schedule of insurance. If you volunteers fall outside these limits ask your insurance broker to have these reviewed.
Always keep good documentation of accidents or incidents that may become a claim. Most claims are received many years after the event, so it is important to request witnesses to provide and incident report.
The Medicare Act prevents and insurer from paying the gap between the scheduled fee and the cost charged by the doctor.
Your policy is only as good as the limits arranged. Check that the benefits are sufficient.
To obtain a quotation or further information on Voluntary Workers Insurance you can contact one of our experienced insurance brokers on 1300 503 503.
Alternatively, click here to complete a Voluntary Workers Insurance quote request online.
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