Non-Profit Volunteer Participant Accident Insurance

Applying our deep expertise in risk management to the non-profit, volunteer sector, We offer a way to help insulate your organization from volunteer accident claims. Our Participant Accident Insurance is customized to address the shortcomings of workers compensation* or general liability in covering the volunteers of non-profit organizations.

How We Meet Your Needs

General liability and workers compensation coverage may have significant shortcomings in covering volunteers of non-profit organizations.
The majority of volunteer activities are not covered under workers compensation coverage.
Organizations that depend on volunteers for their continuing operations can benefit from alternative coverage options. Our programs affordably meet the coverage needs of these organizations.
We provide coverage for injuries occurring during a sponsored event with benefits including:
  • Accident medical expense benefits delivered on either a primary or excess basis
  • Catastrophic cash benefits for paralysis or coma
  • AD&D benefits
  • Weekly accident indemnity benefits
Sponsoring organizations can help secure their reputation, fulfill their “duty of care” obligations, and offset general liability rates through this coverage.

Key Benefits

Excess Accident  Medical Expense  benefit Accidental Death benefit Accidental Dismemberment benefit Weekly Accident  Indemnity benefit


Valuable product designed to pay volunteer medical bills in the event of an accident or illness Helps meet the most rigorous “duty of care” requirements to volunteers Helps offset general liability insurance guaranteed issue for all volunteers regardless of pre-existing medical conditions