Volunteer Accident Coverage

Protection for your valuable community volunteers.

Medical insurance is expensive and medical deductibles are usually very high. Give your volunteers peace of mind knowing some of their out of pocket medical expenses could be covered if they are injured while providing services for your district.

Colorado Workers Compensation only provides benefits to compensable volunteers such as board members, firefighters and police officers. Other community volunteers are not compensable in the State of Colorado and therefore would not be afforded the benefits of Workers Compensation.

Our Blanket Accident coverage provides limited medical benefits for our member districts’ community volunteers participating in an assigned, supervised and sponsored volunteer activity. The medical coverage is excess over any other collectible insurance the volunteer may have in place. If the volunteer has no other medical insurance is in place, this policy becomes primary and will pay medical benefits up to the limits stated in the policy.

Coverage Highlights

  • $25,000 excess medical expense
  • $15,000 death benefit
  • $25,000 to $50,000 accidental dismemberment benefits depending on the type of loss


  • $0 deductible applies
  • 52 week benefit period

Volunteer Accident Coverage Overview

Overview What does it cover? Districts that need this:
Our Volunteer Accident coverage covers community volunteers who are injured while performing their supervised and assigned volunteer activities
  • Limited medical benefits for injuries suffered during member-sponsored volunteer activities
  • All districts with community volunteers (except firefighters)
Loss Scenario What does it cover:
The golf course’s volunteer marshal was hit by an errant golf ball and had to go to urgent care for stitches.
  • Up to $25,000 in the volunteer’s out-of-pocket medical expenses (after whatever is covered by their personal medical insurance)
A district sponsors a community improvement day and a registered volunteer sprains their wrist while digging up weeds.
  • Up to $25,000 in the volunteer’s out-of-pocket medical expenses (after whatever is covered by their personal medical insurance)

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