A volunteer accident policy is basically workers’ compensation for people who aren’t getting paid. Most policies have a $250,000-$500,000 limit per person with a $250 deductible.
Wait, what’s that deductible all about? The deductible is the insurance company’s way of preventing small claims. In a claim, you pay the first $250 and the insurance company will cover the rest. That’s to keep you from filing a claim for the $30 of Advil and IcyHot you bought your performer when she stubbed her toe.
Most volunteer accident policies are reimbursement-based. You will pay the expenses out of pocket, and the insurance company will reimburse the total amount minus the deductible. So don’t forget to keep copies of all of your bills and receipts!
Workers’ compensation is medical reimbursement for someone injured while working for you and getting paid.
Volunteer accident is medical reimbursement for someone injured while working for you and NOT getting paid.
I don’t just have volunteers; I have people to whom I pay money. What now? Workers' Compensation
But what about the lighting equipment that I found in the street and threw in the back of my station wagon? Equipment Coverage
