Volunteer insurance

Almost all organisations that work with volunteers are required to take out insurance that covers their volunteers' liability for damage caused while carrying out their work. The organisations can extend this liability insurance with insurance against bodily injuries or legal assistance insurance. 

In addition, organisations active in the field of Welfare, Health and Family are subject to more extensive insurance requirements, whereby they must insure their volunteers against damage caused to other volunteers or against bodily and material damage suffered by the volunteers themselves during their voluntary work. 

Any activity carried out unpaid and voluntarily for the benefit of others or society can be considered volunteer work.  Volunteer work is usually unpaid, although volunteers may also receive reimbursement for expenses incurred in the course of their volunteer activities.

Association work (article 17) is a specific arrangement in which certain activities within the sports and socio-cultural sector may be performed for pay (with a fiscally advantageous compensation). 

A volunteer agreement is a document outlining the arrangements between the organisation and the volunteer, such as tasks, responsibilities, and insurance. 

In many volunteer insurance policies, travel related to volunteer activities is also covered. 

If a volunteer causes damage during their activity, the civil liability insurance of the organization can intervene.