Increasing Reliance On Volunteers Complicates Insurance For Childcare

Driven in part by this trend of nonprofits turning more and more to unpaid helping hands, VIS has created a “volunteer-liability policy” to cover the volunteers of nonprofit childcare centers as a shield for the organization’s general-liability (GL) policy. 

If a nonprofit center does have a claim, “in all likelihood, they don’t want to put their GL policy at risk,” Henry says. “Unless the organization itself is named in a lawsuit, our volunteer-liability policy will provide primary coverage to the volunteer being charged with injury or property damage. It’s a way to separate the risk that volunteers represent.”