Volunteer Accident Insurance
Protect the people who give their time to serve your organization.
Volunteers are the backbone of churches, nonprofits, and community organizations. When they're injured while serving, volunteer accident insurance provides immediate medical expense coverage—no fault required. It protects your volunteers and your organization from the financial impact of accidents.
Get a Volunteer Accident Quote
Affordable protection for your volunteer workforce
What Volunteer Accident Insurance Covers
Medical Expenses
Hospital bills, doctor visits, X-rays, surgery, and other medical costs resulting from accidents while volunteering. Coverage applies regardless of fault—no need to prove negligence.
Accidental Death & Dismemberment
Lump-sum benefits if a volunteer dies or loses limbs, sight, or hearing due to an accident while serving. Provides financial support to families during tragedy.
Dental Injury
Coverage for dental treatment needed due to an accident, including repairs, crowns, or replacement of teeth damaged during volunteer activities.
Ambulance & Emergency Transport
Costs for ambulance, air ambulance, or other emergency transportation to medical facilities following a volunteer accident.
Physical Therapy & Rehabilitation
Ongoing therapy and rehabilitation costs needed to recover from injuries sustained while volunteering.
What's NOT Covered
Volunteer accident insurance covers accidents, not all medical situations:
Who Needs This Coverage?
Any organization that relies on volunteers should consider this protection:
Churches & Religious Organizations
Rely heavily on volunteer labor for programs and services
Nonprofits & Charities
Volunteers are essential to mission fulfillment
Youth Sports Leagues
Coaches, referees, and concession workers are typically volunteers
Community Service Organizations
Lions Clubs, Rotary, volunteer fire departments, etc.
Schools & PTAs
Parent volunteers assist with events, field trips, and activities
Event Organizers
Festivals, charity events, and community gatherings use volunteers
Real Claims Examples
See how volunteer accident insurance helps in common scenarios:
Fall During Church Workday
Scenario: A volunteer falls from a ladder while painting the fellowship hall, breaking their arm and requiring surgery.
Coverage: Volunteer accident insurance pays the $12,000 in medical bills directly, without the volunteer needing to use their personal health insurance or sue the church.
Youth Sports Coaching Injury
Scenario: A volunteer soccer coach tears their ACL while demonstrating a drill during practice.
Coverage: Coverage pays for surgery ($8,000), physical therapy ($3,000), and rehabilitation—totaling $11,000 in covered expenses.
Food Bank Volunteer Cut
Scenario: A volunteer at a charity food bank slices their hand while preparing meals, requiring emergency room stitches.
Coverage: ER visit ($1,500) and follow-up care ($300) are covered, protecting both the volunteer and the nonprofit.
Mission Trip Accident
Scenario: A church member is injured during a mission trip when construction materials fall, causing a head injury.
Coverage: Medical treatment abroad, emergency transport home, and follow-up care in the US are all covered under comprehensive volunteer accident policies.
Why Volunteer Accident Insurance Matters
This coverage benefits both your volunteers and your organization:
What Affects Your Premium?
Volunteer accident premiums are generally affordable, with costs based on:
Number of Volunteers
More volunteers means more exposure and higher premiums
Type of Activities
Physical labor, travel, and outdoor activities carry higher risk
Coverage Limits
Higher medical expense limits cost more but provide better protection
AD&D Benefits
Higher accidental death and dismemberment limits increase premium
Geographic Scope
Coverage for mission trips or travel extends risk and cost
Age of Volunteers
Organizations with older volunteers may pay slightly more
Affordable Protection: Volunteer accident insurance is typically very affordable—often just a few dollars per volunteer annually. Many church and nonprofit packages include this coverage. It's one of the most cost-effective ways to protect the people who serve your organization.
Protect Your Volunteers
Your volunteers give their time freely. Show them you care by providing protection if they're injured while serving. Let's find affordable coverage for your organization.
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Ryan Parrack Insurance
Serving Elkins, Buckhannon & Northern/Central WV
Elkins, WV