Coverage for Driving While Volunteering

Coverage for Driving While Volunteering

Volunteer Driver

As with anyone who drives, volunteers that operate vehicles for nonprofit organizations should have some form of auto insurance in accordance with state law and regulations. Such coverage may be sufficient for personal driving, but it is generally inadequate to cover volunteer work. Most personal auto insurance policies don’t offer enough coverage for either property damage liability or body injury liability, especially since an accident on company business may result in significantly more damage than your typical accident. Organizations need to have policies that protect their organization and its helpers.

Managing Risk

It’s incumbent on your organization to consider volunteer driver risk. Consider these following best practices in determining an organizational policy and approach to managing volunteer driving:

  • Staff a position to oversee drivers and assign and/or terminate as necessary.
  • Require volunteers to submit a copy of their motor vehicle records annually.
  • Document proof of personal auto insurance policies for each driver and require proof of renewal after coverage expires.
  • Clearly define responsibilities and requirements for everyone driving on behalf of the nonprofit.
  • Require proof of passage of annual vehicle safety inspections when personal vehicles are involved.

Having a formal plan that covers vehicle operation better equips your nonprofit to handle accidents and issues.

Covering Your Volunteers

Your organization was established to help people. It also provides an opportunity for others to contribute to the benefit of others. While nobody plans to be involved in an accident, you owe it the community you serve as well as those that support you to have adequate insurance for vehicular accidents.