Many churches rely heavily on volunteer labor for remodeling or construction projects. But such hazardous work as building repair or remodeling, new construction, and roof replacement can pose dangers for your volunteers and your ministry.
Before volunteer work begins, take steps to reduce the risk of injury:
Although the law varies from state to state, in most states, volunteers will not be covered under workers' compensation statutes. So if a volunteer were injured while working for your church, medical coverage may be available only under your church's general liability “premises medical payments” policy. Check with your insurance agent to determine the extent of your coverage and the circumstances under which it may cover volunteer injuries.
If your church undertakes a large project, consult your attorney to make sure all potential liability exposures have been addressed. You may wish to consider having volunteers and independent contractors sign a “hold harmless” agreement to protect the church against liability claims resulting from project.
Thank you for your interest in Brotherhood Mutual. We appreciate the opportunity to provide your church or other ministry with an insurance quote and will reply to your request as soon as possible.
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