Do Good Deeds Put You At Risk?

Many non-profits are helping population groups that really need our help.  We all feel good when we can help out. But, did you know that that help can put you at risk and your insurance may not cover your exposure.  Changes that you make or additional duties that you take on may not be covered based on how you answered questions or how purchased your automotive insurance.

In our very litigious age our good deeds and our insurance coverage doesn't always allow for such unfettered kindness.

What if the car in front of you stops short and you crash, injuring a passenger? What if more than one of your charges is hurt? What if an elderly client slips as you are helping her out of the car?

These days, you have to ask about the bad stuff before stepping in to do the good. Failing to do so can have consequences, especially if you don't have the right insurance.

In an effort to promote social-service participation, the U.S. Congress in 1997 passed the Volunteer Protection Act, which protects volunteers of official nonprofits from civil liability. However, the protection only applies if the volunteer:

Acted within the guidelines of his or her job description.
• Had the proper license or certificate, if applicable, for the job.
• Was not negligent. Negligence is broadly defined as the failure to exercise reasonable care. For example, someone breaking a law or under the influence of drugs or alcohol wouldn't be covered.
• Was not operating a vehicle at the time.

While federal and state laws offer some protection in the event of a lawsuit, they do not prevent an individual from being sued in the first place. And of course, you don't have to be negligent to be accused of wrongdoing.

Many nonprofits do not have insurance that protects its volunteers. Some expressly ask volunteers to sign away the nonprofit's liability in such cases, or in any situation where the volunteer is hurt while on the job. The courts generally don't uphold such waivers, says Henry. But a volunteer still might have to hire a lawyer.

If you're committed to helping an organization that does not extend coverage to its volunteers, Bennett Insurance Group suggests buying a personal umbrella insurance policy for yourself.

before you take on a volunteer driving assignment, make sure you have enough liability coverage to pay for any injuries you may cause.  The insurance company won't give you a break simply because you were driving for Meals on Wheels or other non-profit groups.

When considering your needs for insurance products for your home or business remember contacting Bennett Insurance Group is the right move.  Give us a call at 623-979-4140

Presented By:
Jim Bennett
Bennett Insurance Group
623-979-4140
http://jimbennettinsurance.com
jim@jimbennettinsurance.com