Voluntary Workers Insurance That Protects Your Volunteers

Specialist accident cover for organisations relying on unpaid volunteers across Australia.

Protection for volunteers while engaged in authorised duties
Cover for accidental injury, death and disability
24/7 cover options available (subject to policy terms)
Covers medical costs, income replacement and capital benefits

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Understanding Your Cover

What Is Voluntary Workers Insurance?

Voluntary Workers Insurance provides protection for organisations and individuals when unpaid volunteers are injured, or suffer accidental harm, while carrying out authorised volunteer duties. Although volunteers are not employees, organisations still owe a duty of care and may face financial exposure if an accident occurs.

This insurance helps safeguard both volunteers and the organisations they support by providing financial assistance following accidental injury. Cover is typically arranged as an annual group policy tailored to the size, activities and risk profile of the organisation.

Is This For You?

Who Voluntary Workers Insurance Is For

This insurance is commonly arranged by:

Not-for-profit organisations and charities

Community groups and associations

Sporting clubs and leagues

Religious and faith-based organisations

Schools, P&Cs and parent associations

Aged care and disability support groups

Emergency services auxiliaries

Event and fundraising organisers

Cover Options

What Does Voluntary Workers Insurance Typically Cover?

Accidental Death & Capital Benefits

Lump sum payments for death or permanent disability caused by an accident.

Weekly Income Replacement

Weekly benefits if a volunteer is temporarily unable to work due to an insured injury.

Medical & Rehabilitation Expenses

Reasonable medical, hospital, rehabilitation and treatment costs.

Non-Medicare Medical Expenses

Certain medical costs not payable under Medicare, such as dental or physiotherapy.

Travel to and From Duties

Cover for injuries occurring while travelling directly to or from authorised volunteer activities.

Beyond the Basics

Additional Covers & Policy Extensions

24/7 accident cover (not limited to volunteering hours)
Volunteer personal accident extensions
Higher capital and weekly benefit limits
Cover for multiple volunteer roles
Emergency transportation costs
Domestic assistance benefits
Cover for volunteer training and events
Overseas volunteer travel extensions
Group policy arrangements

Policy Options

How Voluntary Workers Insurance Is Structured

Annual Group Policy

Structured as an annual policy covering all registered volunteers under a single program. Limits and benefits are set according to the organisation’s size, activities, and level of volunteer involvement.

Accidental Injury Basis

Benefits apply only to accidental injuries sustained during authorised activities. Cover typically includes defined capital benefits, non-Medicare medical expenses, and weekly income benefits, subject to policy terms and limits.

Capital sums, weekly benefits, waiting periods and benefit periods apply. Excesses may also apply depending on the policy. This cover operates separately from workers’ compensation, which generally does not cover volunteers.

Why It Matters

Why Voluntary Workers Insurance Is Essential

Volunteers are not covered by workers’ compensation

Demonstrates duty of care to volunteers

Helps attract and retain volunteers

Provides financial support following injury

Reduces financial strain on volunteers and families

Protect Your Volunteers With Confidence

Speak with a broker who understands volunteer-based organisations.

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FAQ's

Voluntary Workers Insurance provides financial protection if an unpaid volunteer is injured while performing authorised duties for an organisation. It typically includes lump sum benefits, weekly income replacement and certain medical expenses.

No. In most Australian states and territories, volunteers are not considered employees and are therefore not covered by Workers’ Compensation. Voluntary Workers Insurance helps fill this gap.

Cover typically includes accidental death, permanent disability, weekly income benefits for temporary disablement and certain non-Medicare medical expenses arising from accidental injury while volunteering.

Generally, Voluntary Workers Insurance covers accidental injuries only, not illness or disease, unless specifically endorsed in the policy.

Most policies cover volunteers while travelling directly to or from authorised volunteer duties. However, coverage terms and definitions vary between insurers.

Voluntary Workers Insurance can cover committee members while performing volunteer duties. However, it does not replace Management Liability Insurance, which covers governance and decision-making risks.

Most policies operate on a group basis and can cover all declared volunteers under one annual policy, subject to policy limits and benefit caps.

While not always legally mandatory, many councils, funding bodies and grant providers require organisations to hold voluntary workers insurance as part of governance and risk management requirements.

Policies generally do not cover illness, pre-existing conditions, intentional acts or injuries outside authorised volunteer activities. Public Liability Insurance is still required for third-party claims.

Volunteers are essential to many organisations. This insurance demonstrates duty of care, protects volunteers financially and reduces reputational and financial risk if an accident occurs.

If you need to make a claim, contact Seguro Insurance Brokers directly. Our team will guide you through the claims process, help you gather the required documentation and liaise with the insurer on your behalf to ensure your claim is handled efficiently.

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