• Skip to primary navigation
  • Skip to main content
  • Skip to footer
Tudor-Insurance-Logo-white
GET A QUOTE
(03) 9707 3033

Menu
  • About
    • Careers
    • Disclaimer
    • Duty of Disclosure and Duty to take Reasonable care not to make a Misrepresentation Notice
    • Financial Services Guide
    • Forms
    • Important Notices & Information
    • Insurance Broker Code of PracticeNew
    • Lodging a Complaint
    • Meet the Team
    • Noosa Branch
    • Privacy Policy
    • Services Agreement
    • Target Market Determinations
  • Services
        • Business Insurance
          • Business Interruption Insurance
          • Cafe & Restaurant Insurance
          • Corporate Travel Insurance
          • Cyber Insurance
          • Farm Insurance
          • Hospitality Insurance
          • Landlord Insurance
          • LEI – Legal Expense InsuranceNew
          • Management Liability Insurance
          • Manufacturers InsuranceNew
          • Premium Funding
          • Professional Indemnity Insurance
          • Public and Products Liability Insurance
          • Retailers InsuranceNew
          • Trades Insurance
          • Truck Insurance
          • Work Shield by Steadfast Life
        • Personal Insurance
          • Cyber Insurance for Families
          • Home and Content Insurance
          • High Net Worth Clients
          • Car Insurance Broker
          • Knose Pet Insurance
          • Insurance Cost Calculators
          • 365 Roadside Assist
          • Travel Insurance with PassportCardNew
        • Specialist Insurance
          • Boat Insurance
          • Demolition, Asbestos Removal and Environmental
          • Pontoons and Jettys Insurance
          • Tree Contractors & Arborists
          • Yacht Club and Associations Insurance
  • Claims
  • News
  • Contact

What is Volunteer Insurance?

Whether you run a charity, a not-for-profit, or regular live events, volunteer insurance exists to protect both you and the volunteers that work for you. From music festival ticket collectors to ongoing charity work, volunteers are often the most important part of your organisation, and they need to be protected from accidents. Volunteer Insurance will cover them for personal accidents, and they and your organisation will be at a serious disadvantage if you do not have the right coverage in place. If you want to attract the right volunteers and keep your vital volunteers safe and confident, this specific insurance is going to be an essential requirement.

Who Needs It

Many types of organisations will need to have the right volunteer insurance policy in place.  Community groups, charities that provide healthcare for the elderly or disadvantaged, religious organisations, recreation clubs, and any charity or organisation that runs events, all make use of volunteers. These workers will not be covered by a standard business insurance policy, as they are distinctly different from salaried employees. Volunteer insurance policies protect the volunteer, but they also protect the organisation from public liability claims caused by the volunteers.

Did you know?

  • There are an estimated one billion volunteer workers worldwide, and Australia has just under six million of them. (Volunteering Australia)
  • The Australian economy receives approximately $290 billion from the work carried out by volunteers. (Pro Bono Australia)
  • According to the 2020 census by the Australian Bureau of Statistics, volunteering rates were similar for males and females at 23% and 26%. Members of the population aged 40-54 were the largest group participating in voluntary work through an organisation. (Australian Bureau of Statistics)

What does it cover?

Employee insurance is very different from volunteer insurance, and you need to be aware of the protection that you are missing out on if your community group, non-profit, church, or charity makes use of volunteers. Volunteer insurance coverage means that you will get protection for:

Personal accidents: If a volunteer is injured while being involved in authorised volunteer activity, they will get protection and may receive weekly payments until they have recovered. This protects volunteers who are engaged in other work, as they may lose out on regular wages if they are injured while volunteering. It can even cover expenses caused by the accident and medical expenses.

Public liability: A well-tailored volunteer policy will also cover public liability. This type of policy will have a broader goal, and will offer protection for the organisation, any paid employees, and volunteers in cases of third-party personal injury or property damage. Not all volunteer policies will include public liability, so you need to confirm your coverage with your provider.

Voluntary Boards: If you have directors and board members that are categorised as volunteers, then you may want to include Professional Indemnity Liability. This will protect directors and officers from negligence by volunteers, defamation, slander, and sexual harassment. This is not usually included with a standard volunteer insurance policy, but may be a valuable addition if you make use of high-ranking professional volunteers.

Previous Post: « How COVID-19 has changed your workers’ compensation liabilities
Next Post: Cyber Insurance Alert regarding Apache Log4j Vulnerability »

Footer

Get in touch

T: (03) 9707 3033

T: (07) 5228 3474

T: Emergency After Hours Phone 0419 500 301

F: (03) 9707 4568

E: service@tudorinsurance.com.au

  • Facebook
  • Instagram
  • LinkedIn

Our Location

Tudor Insurance Australia, Suite 5, 46-50 Old Princes Highway, Beaconsfield, VIC 3807

Noosa Central, Unit 13, 6 Bottlebrush Avenue, Noosa Heads 4567

Monday-Friday 9AM – 5PM Weekends CLOSED

A.F.S. License No. 243299

LEGAL AND IMPORTANT INFORMATION

  • Disclaimer
  • Duty Of Disclosure Notice
  • Financial Services Guide
  • Forms
  • Lodging A Complaint
  • Privacy Policy
  • Important Notices & Info
  • Target Market Determinations

Copyright © 2025· Tudor Insurance Australia Pty Ltd | Website by