NONPROFIT Volunteer PARTICIPANT Accident Insurance Program
The Nonprofit Volunteer Accident Insurance Program is specifically designed to help provide affordable accident insurance protection for organizations that depend on volunteers to help carry out your mission. The program is underwritten by Arch Insurance Company. Basic and Select Level Plans are available, which allow flexibility on choice of limits of coverage and affordability.
Benefits & Features
Excess Accident Medical Expense Benefits
The Nonprofit Volunteer Accident Insurance Program will pay medical benefits (in excess of any primary coverage) for the covered expenses listed below that result directly from injury caused by a covered accident.
Medical expenses include, but are not limited to (Please see policy for a full description of benefits):
• Hospital semi-private room and board or room and board in an intensive care unit
(including emergency room care)
• Hospital ancillary expenses (including, but not limited to,
use of the operating room or emergency room)
• Services of a doctor (including surgical expenses)
• Ambulance service to a hospital
• Laboratory tests, diagnostic X-rays, MRIs, and CAT scans
• Prescription drug expenses and medical equipment rental expenses as prescribed
• And much more!
Accident Medical Expense Benefits are only payable:
• For those medically necessary expenses that a volunteer incurs
• If the first incurred expenses are within 90 days from the date of the covered accident
Accidental Death & Dismemberment Benefits
The Nonprofit Volunteer Accident Insurance Program will pay benefits if a volunteer is injured in an accident and,
within 365 days of that covered accident, suffers a covered loss. If multiple losses occur, only one benefit amount – the largest – will be paid for all losses due to the same covered accident.
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.