All registered community groups must have a current insurance policy to cover their volunteers. To ensure that this cover is in place check your policy or seek advice from your insurer.

If you have public liability insurance cover, the policy may extend to your volunteers for as long as they are engaged in duties authorised and directly related to your organisation.

Personal accident insurance is another form of insurance that you may want to consider for your volunteers. Personal accident insurance (or as it is sometimes known - Volunteer Insurance) generally covers members, volunteers, officials or participants for any out-of-pocket expenses following accidental injury, disability or death while carrying out their work on behalf of the organisation.

This policy complements public liability insurance. The public Liability insurance covers volunteers where there is negligence involved whereas the personal accident insurance covers the injured party where there is accidental (no negligent act) injury.

For more information relating to insurance issues for community groups visit the insurance centre at www.ourcommunity.com.au.

http://www.ourcommunity.com.au/insurance/insurance_main.jsp.

This material has been prepared with the support of the Victorian Government through the Community Support Fund.

Read more: http://www.ourcommunity.com.au/insurance/view_help_sheet.do?articleid=260#ixzz0IfVFRqRB&C