City staff review volunteer insurance options and warn of workers’ comp cost exposure

Summary

Talent staff reviewed a volunteer coverage guide and urged timecard tracking and clearer volunteer classifications after switching coverage to SAFE; officials were told the volunteer accident policy has a $100,000 per-person cap and that placing volunteers on workers' compensation can raise premiums for three years.

Kristen, a consultant presenting the city’s updated volunteer coverage guide, urged Talent officials on Oct. 30 to tighten tracking and classification of volunteers after the city’s shift to coverage through SAFE Corporation.

Kristen said the city’s volunteer accident policy has a $100,000 per-person limit and is designed to “backfill deductibles and copays” when volunteers have other collectible insurance. “It’s got a $100,000 limit of coverage, and it applies after any other collectible insurance is provided,” she said.

She contrasted that policy with workers’ compensation, which provides broader benefits. “If they’re injured under workers’ compensation, they’re also gonna be treated just like an employee … they’ll be paid two thirds of their pay that they are getting…

City staff review volunteer insurance options and warn of workers’ comp cost exposure

Summary

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