What We Cover

Accident Insurance for Volunteers & Participants

Every event, fundraiser or outreach program is a testament to the collective effort of passionate volunteers. Our Accident Coverage is designed exclusively for them.

What It Covers

Injury during participation — from a minor fall to a more significant injury
Medical expenses arising from an accident during an event or volunteering activity
Rehabilitation or physiotherapy costs where needed
Dismemberment or death benefits in the rare, unfortunate event of serious injury or fatality

Worth Confirming

Ongoing liability claims — this is an accident/medical benefit, not a liability policy
Activities outside the official event or activity window, unless a specific extension is discussed

Why Baker Romero

Specialists, not
generalists.

Holistic Protection

Designed for the multifaceted nature of nonprofit events

Insightful Consultation

Recommendations tailored to the scale of your activities

Affordability Ensured

Quality coverage without compromising your resources

Hassle-free Claims

A streamlined process given the urgency these situations carry

How It Plays Out

An illustrative
example.

A volunteer twisted an ankle while helping set up for a community event. Accident Coverage paid the emergency room visit directly, without a liability claim ever being filed.

Illustrative only — not a specific client case.

Who Needs This

Organizations we place
this for.

Child Care & After School

Churches & Religious Organizations

Food Banks

Questions

Questions we
get asked.

Does this coverage extend to non-volunteers, like attendees at an event?

Yes — coverage is designed for both active participants like volunteers and passive participants like attendees.

Is this coverage valid only during the event or activity duration?

Typically, yes — coverage is in effect for the duration of the official event or activity, though certain extensions can be discussed.

What's the process for a volunteer or participant to claim?

Report the accident to us as soon as possible, followed by submission of necessary documentation. Our team will guide you through the entire process.

Related Coverages

Coverages that often
go with this one.

Workers' Compensation

General Liability

Let’s find the right fit.

Tell us how your organization actually runs and we’ll tell you what you need — or call and ask for Lillian.