Volunteer Insurance Coverage Program

May 30, 2011

The CIMA Companies

Summary: For those who volunteer their services to churches, schools, and other social and charitable organizations, the risk exposures are often ignored. Volunteers face exposures ranging from personal injuries to liability claims against them from third parties. The CIMA Companies, Inc., working with QBE Specialty Insurance and Lloyds of London, created a program that provides different kinds of insurance for volunteers: accident insurance; personal liability coverage; and excess automobile liability insurance. This article offers a summary of these coverages based on information available from CIMA.

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Introduction

Volunteers can have accidents, injuring themselves or others. The insurance policies that the volunteers have (for example, homeowners and personal auto) and the policies that the organizations using the volunteers have (for example, general liability and workers compensation) many times have gaps in coverage that may end up costing the volunteers and the organizations money from their own personal resources. Volunteers Insurance Service was established nearly thirty years ago to help address these coverage gaps.

CIMA's Volunteers Insurance Service program offers the following types of coverages either separately or combined: up to $25,000 in medical expense reimbursement as a result of a covered accident; up to $1,000,000 in personal liability insurance; and up to $500,000 in excess automobile liability insurance above the volunteer's own auto insurance.

For detailed information on the volunteer coverage program, contact CIMA at 2750 Killarney Drive, Suite 202, Woodbridge, VA, 22192; 703-739-9300; 800-468-4200; Web site: www.cimaworld.com.

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