Although volunteers might not be paid, from a workers' compensation perspective they might be better called “workers.”
State laws vary widely on the insurability of volunteers under workers' compensation. Some states do not allow it, while others specify that certain types of volunteers must be covered and others may be covered at the option of the organization for which they volunteer.
But workers' compensation coverage can be expensive, especially for nonprofit organizations that depend on volunteers but whose budgets are tighter than ever before. As the weak economy translates to declining financial support and sharper competition for fewer available grants, nonprofits are looking for every way possible to reduce their expenses, including what they must pay for insurance.
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