Many CICs carry General Liability, Directors and Officers (D&O) and Workers' Compensation insurance coverage, but few realize that their volunteers not covered for bodily injuries incurred during the course of performing service for the community. Many General Liability policies include $5,000 of no-fault liability coverage where the insurance carrier pays up to $5,000 without the need for litigation. All other coverage and payments would arise out of a settlement or award of the Court following a lawsuit.
Strategies to avoid the nightmare of volunteer injuries becoming a lawsuit:
understand whether your CIC has insurance coverage for volunteers and exactly how it works
outline volunteer responsibilities in writing (such as within a committee charter)
reserve potentially dangerous activities -- even shoveling sidewalks -- for employees and vendors
have your volunteers sign a waiver of liability for all activities that involve a risk of serious injury or death