Volunteering can be a risky business. When you volunteer for any organization, non-profit or otherwise, you are unfortunately exposed to the threat of having a claim filed against you if/when someone is injured by your volunteer service. Volunteer board members may be targeted in suits alleging employment practices, breach of fiduciary duty, fraud, and other causes of action. Suits against volunteer service providers may allege negligence or gross negligence in caring for a client. Prime Insurance Company provides protection for personal injury or property damage liability claims arising out of your duties on behalf of your volunteer work.
Most homeowners insurance does not cover volunteers caught in “wrongful acts” lawsuits.
High school athletes account for an estimated 2 million injuries, 500,000 doctor visits and 30,000 hospitalizations each year.