Accident insurance provides a limited amount of coverage for injury to a volunteer or participant (depending on the specific coverage purchased) on a no-fault basis. It is not workers’ compensation coverage! Under commercial general liability, it is typically necessary to establish fault before a payment is made. Accident insurance does not require the nonprofit to be at fault, and may apply prior to, or in excess of, an individual’s health insurance policy.
/ / / Participant/Volunteer Accident