For nonprofit childcare providers, the overriding trend today istight state budgets and reduced revenues. 

One way providers are trying toadjust to this new reality has significant implications for theirinsurance programs: relying on volunteers to do the work that paidemployees used to do, says William Henry, executive director ofVolunteers Insurance Services Association Inc. (VIS), a part ofCIMA Cos. of Woodbridge, Va. VIS covers some 5,000 nonprofitsthrough partnerships with 240 agents and brokersnationwide. 

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

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