Volunteer Accident Program
Volunteers play a vital role in the success of many nonprofit organizations. The Volunteer Accident Program (VAP) allows nonprofits to support the volunteers who support them by providing them with insurance coverage for injuries sustained while in the nonprofit’s service.
Are volunteers covered under Workers’ Compensation?
State laws vary on whether volunteers may be covered under a workers’ compensation policy. Some states do not allow it, others specify that certain types of volunteers must be covered, while other states allow volunteers to be covered at the option of the employer.
Workers’ compensation coverage can be expensive, especially for nonprofits with tight budgets. The VAP policy provides nonprofits with an alternative. VAP provides accident coverage for volunteers, and protects the nonprofit from potential litigation should the volunteer have no primary medical insurance and be injured while in the nonprofit’s care.
- Excess to any primary medical coverage the volunteer may have
- $100,000 benefit maximum (higher limits available)
- 365 day maximum benefit period (from date of accident)
- $0 deductible
- $200 per week for lost wages
- 13 week maximum benefit period
- 30 day waiting period
- $50,000 for accidental death per volunteer
- Up to $100,000 for accidental dismemberment or paralysis
- $500,000 aggregate limit
- $4.10 per volunteer, per policy term
- $1.10 additional per person per policy term for optional disability benefit
- $220 minimum premium