Employees & clergy
Worker classifications, payroll, job duties, and state requirements should reflect how paid staff actually serve the organization.
People who serve
Protect the staff and volunteers who keep programs moving.
We coordinate workers’ compensation and volunteer accident coverage around the people, duties, travel, and programs of the institution.
What this covers
Different people need different protection.
The right policy starts with the details of how the organization works and what it needs to protect.
Volunteers
Volunteer accident coverage can provide defined benefits when an eligible volunteer is injured during a covered activity.
Programs & travel
Events, food service, maintenance, youth activities, and off-site service can change the exposure.
Typically included
What a useful review should include.
We compare the parts together so a lower price does not hide a larger gap.
Employee rosterClergy statusJob classificationsPayrollVolunteer activitiesAccident benefit limitsOff-site programsClaims processNot sure? Ask us
Where policies fall short
Where coverage can fall short.
Most problems begin with an assumption that was never checked against the policy.
Volunteers assumed to be employees
Workers’ compensation and volunteer accident coverage serve different roles and should not be treated as interchangeable.
Job duties do not match classifications
Schools, maintenance, food service, office work, and clergy duties can require different treatment.
Off-site service overlooked
Travel, community work, and temporary events can create exposures beyond the main premises.
Common questions
Questions clients ask first.
Straight answers before a decision is made.
Are volunteers covered by workers’ compensation?
Rules vary. We review the organization’s situation and coordinate workers’ compensation with volunteer accident options.
What does volunteer accident coverage do?
It can provide stated benefits for covered injuries during eligible volunteer activities, subject to the policy terms.
Why do classifications matter?
Classifications connect job duties to rating and coverage. They should reflect the work people actually perform.
Our review
What we review with you.
Employee roster
Payroll
Job duties
Clergy
Volunteer roster
Program schedule
Travel
Claims reporting
Let’s review volunteer accident & workers’ comp together.
Bring the current plan or policy. We will explain what it does, identify gaps, and compare the options that fit.