Business insurance for Volunteers

Giving your time and experience to a worthwhile cause can be rewarding and having a positive impact on the lives of others feels good, but as a volunteer, insurance is still an important consideration. Even if it’s not your main occupation, an accident that prevents you from working could be bad news for you or the organisation, and an accusation of negligence would definitely be a headache. Hiscox Business insurance for volunteers is tailored to cover you for all eventualities.

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Getting insurance as a volunteer

Volunteers undertake a range of roles, from administration and organising events, to charity fundraising or helping people to get out and about. But sometimes things can go wrong, from a physical injury at an event – to you or someone in your care – to accidentally sharing confidential data. Insurance for volunteers from Hiscox covers you for those unexpected events with tailored policies covering public liability, employer liability and cyber and data risks insurance.

Why you need business insurance for volunteers

An injury at a fundraiser

Fundraisers can be great fun, but they carry risks too. Imagine the canopy of a marquee falls on a volunteer and causes an injury. On the one hand, the charity is a volunteer down, but if it means they need to take time off from their full-time position as well, that could mean lost earnings. Employer liability insurance is there to help with the costs of any claim for compensation against the charity and a final settlement if it’s needed.

Compensation at a charity car wash

A charity car wash should be all about raising much-needed funds, but a volunteer is blamed for scratching a car’s paintwork with a cloth they dropped on the ground. The owner makes a claim for compensation that comes to a substantial figure. Public liability insurance for volunteers covers the individual in defending the claim and the final settlement for costs.

A volunteer emails private client data

If a volunteer attaches confidential details to a group email by mistake, you might face a claim that GDPR compliance has been breached. Cyber and data risk insurance protects you from the legal costs of the investigation and any civil penalties. It also covers data breaches or hacking where confidential business information is targeted. As part of business insurance for volunteers it covers the costs of a ransom payment, data recovery, loss of business and more.

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If you’re not sure what you need, tell us a little more about your volunteering activities. We’ll help you to build your quote and explore any other insurance needs.

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Key types of insurance for volunteers

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These are just some of the types of business insurance for volunteers that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.

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