Organisations need insurance to protect themselves and their volunteers from risk.
The type of insurance you need depends on your organisation, how it works and what it does. Here are some types of insurance that can cover volunteers.
If your organisation has paid employees, it’s required by law to have this insurance. Some insurers will also include cover for volunteers too.
It protects your organisation if:
This covers your organisation’s legal liability with other organisations or members of the public (‘third parties’). Some insurers will cover volunteers too.
It protects your organisation by defending any claims from third parties and paying compensation if you are found to be at fault for causing:
You should check with your insurer to make sure your insurance covers your volunteers, their actions and the activities they do. Depending on your insurer, volunteers may be covered under employers' liability or public liability.
You may need this type of insurance if your organisation has volunteer drivers.
Some insurers charge extra for volunteer driving. Check with the insurer to see if they do this or not.
Your organisation is likely to need other insurance depending on what it does and who it works with.
See our guidance on insurance for voluntary sector organisations.
When buying insurance, you should:
It’s a good idea to speak to an insurance provider about your organisation’s specific needs. Zurich Insurance is NCVO’s Trusted Supplier for insurance.
This page was last reviewed for accuracy on 12 April 2021
Get specific guidance on how to engage and support volunteers during the covid-19 pandemic
NCVO's Trusted Supplier for insurance covers charities, social enterprises and community groups of all sizes
NCVO members can use our risk register template to find, assess and record the risks facing your organisation.
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