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Volunteers are one of the most important assets you have. With Volunteer Accident Insurance you can help protect them financially in the event of an injury. 


  • $100,000 Accident Medical Expense benefits
  • $50,000 Total Paralysis benefit
  • $50,000 Accidental Dismemberment benefit
  • $25,000 Accidental Death benefit 


Accident Benefits for Your Volunteers

Benefits are payable for injuries that result - directly and independently of all other causes - from a covered accident, up to the maximum benefits stated, while coverage is in effect.

A woman holding a boom mic over a film set.

Accident Medical Expense Benefits

Accident Medical Expense Benefits include eligible medical expenses that are in excess of amounts paid by any other Health Care Plan, including individual, group medical, or health benefit plans the covered volunteer may have, up to $100,000 per accident per volunteer. In the event no other health plan or policy exists, benefits for these expenses will be payable like primary coverage. The first eligible expense must be incurred within 180 days of the covered accident. Eligible accident medical expenses must be incurred within one year of the covered accident. 

Plans Include Accidental Death, Dismemberment, and Paralysis (Plegia) Benefits 

If within one year from the date of a covered accident a covered person suffers any of the losses specified, we will pay a benefit for one of the conditions listed below. If the same accident causes more than one of these losses, we will pay the largest amount that applies.


  • Loss of Life
  • Total paralysis of upper and lower limbs, both lower limbs, or upper and lower limbs on one side of the body
  • Loss of any combination of two: hands, feet, eyesight, speech, and hearing
  • Loss of one hand, one foot, sight in one eye, speech, or hearing
  • Loss of thumb and index finger of same hand 

Accident Medical Expense Benefits:

Accident Medical Expense Benefits Payable services and supplies prescribed by a physician for injuries sustained in a covered accident include:

  • Hospital bills, including room and board
  • Emergency room and outpatient treatment
  • Medical or surgical treatment by a licensed doctor
  • Prescription drugs and medicines
  • Services of a licensed or graduate nurse
  • Dental care for injury to sound and natural teeth
  • Ambulance expenses from the covered accident site to the hospital