Guide to insuring and employing volunteers

Guide to insuring and employing volunteers

Volunteers play an important role in most charities, but without the right practices and policies in place, things can go wrong.

This article lists six questions charities should consider when employing volunteers.

1. Is there a guide for best practice and legal requirements?

Volunteering England has a ten-step quality standard. It is an independent charity and membership organisation committed to supporting, enabling and celebrating volunteering in all its diversity. The National Council for Voluntary Organisations, which represents 16,000 voluntary organisations, community groups and social enterprises across England, also publishes useful guidance on its website.

2. What should a volunteer agreement include?

Some organisations use volunteer agreements to ensure separation from employment contracts. These are helpful to define what you would like a volunteer to do and set boundaries of expectations, but they should avoid any terms implying contractual obligations.

3. Should charities have a written guide detailing the volunteer’s role?

Managing a volunteer’s enthusiasm and directing their energy in the desired way requires skillful oversight, either by an employee or an experienced volunteer with a demonstrable track record. When recruiting volunteers, it is advisable to set out what the parameters of the role will be. This needs to be recorded in writing, agreed with the volunteer and preferably signed and dated. Having this documented record will help your insurer defend your position should an incident arise where a volunteer is injured and it involved activity outside the agreement.

4. Do volunteers need to have a DBS check?

In general, providers and managers of regulated health, child and adult social care services have to ensure that all staff (including volunteers) who come into contact with children or vulnerable adults have a satisfactory DBS check. More information on DBS checks can be found on the website.

5. Do charities need to insure volunteers?

Legally speaking, you don’t have to. However, doing so can offer the volunteer the same protection as one of your employees should a claim be made involving the volunteer, as well as protect you if the volunteer brings a claim against you.

Despite your best efforts to keep the distinction clear between employees and volunteers, there can be situations where the law regards a volunteer as an employee. This can be complicated and lead to disputes with insurers, so it is always best to have volunteers included within the policy definition of employees.

Most liability policies extend to protect employees against claims made against them while working for you (in the same way as you would be if the claim was made against you). Including volunteers within the policy definition of employee ensures that they have the benefit of your policy cover should they have the misfortune of having a claim made against them while volunteering for you.

The same applies where you arrange other covers for the protection of your employees, for example, assault or personal accident cover. Including volunteers within the definition ensures that they get the benefit of cover under the policy.

6. How can charities ensure insurance is ‘fit for purpose’?

Check your policy wording, particularly if you have more than one insurer covering your liabilities and ensure that such covers dovetail together (a specialist charity insurer will usually be able to provide this cover within one comprehensive policy).

Published on
August 25, 2021