One type of protection most Nonprofit organizations do not think about is volunteer liability insurance. Volunteers should be insured separately from a general liability policy and is very affordable. This is the best way to avoid a claim on the organizations general liablity policy, which could result in a premium increase or reduction in limits. Sometimes, medical coverage can be excluded when a person is doing volunteer work so this policy would cover the gaps in insurance protection In many states, worker’s compensation coverage may exclude volunteers from having coverage. This is a great way for your organization to show that you really care about your volunteers and ensure longevity of their help.