Participant/Volunteer Accident Coverage

Coverage for injury to nonprofit volunteers or participants on a no-fault basis.

Unlike liability insurance, this applies without any showing of fault.

A great coverage to have for small slip and falls. May apply prior to (or in excess of) an individual’s health insurance policy.

Note: NIA’s Commercial General Liability is required if you want to purchase this coverage.

a group of young adults with garden tools

Insured by NIA:
One Brick
San Francisco, CA

Highlighted features of NIA’s Participant/Volunteer Accident policies.

Summary of key features only. Actual policy language may differ.

Covered Persons:

  • All designated, recorded volunteers participating in a volunteer project through the organization’s program
  • All registered participants participating in supervised and sponsored organization activities
  • Coverage provided by QBE and is excess of existing medical insurance of volunteer/participant

Covered Activities:

  • Volunteers and participants are covered while participating in all activities which are supervised and sponsored by the organization

Coverage checklist

This PDF allows you to print and compare coverage features with your clients.

Policy forms

Available for appointed brokers only on the NIA Broker Portal.

List of coverages:

Here’s the menu of NIA’s nonprofit insurance offerings.

Note: NIA’s Commercial General Liability coverage is required if you want to purchase any other coverages from NIA.

Commercial General Liability

Coverage for a wide range of negligent acts which result in bodily injury, property damage, personal injury, or advertising injury. Liquor liability included at no extra fee.

Improper Sexual Conduct and Physical Abuse Liability

Coverage for nonprofit employees, volunteers, and the organization for allegations of sexual and/or physical abuse. Event trigger and claims-made available.

Social Service Professional Liability

Coverage for employees, volunteers, interns, students-in-training, and independent contractors for damages resulting from errors and omissions in the provision of certain professional services.

Directors and Officers Liability (D&O)

D&O, fiduciary, and employment practices (EPLI) coverage for the organization and its directors and officers, employees, and volunteers for allegations of wrongful acts. Affordable flat-rate D&O without EPLI for nonprofits without employees.

Business Auto Liability and Physical Damage

Coverage for vehicle fleets of all sizes, driven by employees or volunteers. Can include personal vehicles that are being used for nonprofit work.

Businessowners Property

Coverage for the physical assets a nonprofit owns or leases — such as buildings, office equipment, computers, furniture, etc. Generous, modified BOP, includes business income and extra expense.

Participant/Volunteer Accident Coverage

Limited coverage for injury to a volunteer or participant (depending on the coverage) on a no-fault basis. May apply prior to (or in excess of) an individual’s health insurance policy.

Umbrella Liability

While a $1 million limit works for most claims, umbrella liability provides the excess coverage some nonprofits may need.

Insurance Brokers: 

Learn more about working with NIA, how to become an NIA appointed broker, or how to submit 501(c)(3) business.