Keeping your volunteers safe should be a first priority.
Insurance is there as a safety net after all other risks have been managed and OHS laws complied with.
Volunteers are not covered under Worksafe Victoria and never have been.
While it’s not compulsory for organisations to provide cover for volunteers, they do have a duty to advise volunteers that there is no protection against work related injuries if that is the case. However, organisations have a duty of care to ensure a safe work place for all staff, whether paid or volunteer.
It is a condition of registration with Volunteer Central Vic that organisations, groups, clubs and associations have the correct insurance in place for volunteers, to ensure that all aspects of safety are met and that organisations are complying with their duty of care towards volunteers.
Volunteer Personal Accident insurance will provide basic cover for volunteers. It does not provide the extent of cover provided by Worksafe, but some level of insurance against personal accident or injury is part of an organisation’s Duty of Care towards its volunteers.
Public Liability Insurance is a good protection against accident or injury to members of the public. However, it is important to understand that this insurance only covers accident or injury to the public. Most Public Liability insurance will not cover claims for injury occuring to volunteers while working for an organisation.
Volunteering Australia has partnered with AON Australia to provide comprehensive insurance to volunteer-involving organisations. You can take the AON Insurance Puzzle Helper here to find out what your insurance needs are: