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Am I covered by insurance?

This article is for volunteers. It explains how to see whether a group has insurance on Be Collective, what the indicators mean, and when to speak with the volunteer manager about coverage.

Be Collective does not provide volunteer insurance. The organisation you volunteer with is responsible for covering you in the case of an accident or injury.

Organisations can add insurance details to Be Collective so you can see at a glance whether policies are in place. Policy numbers and full policy details are not shared publicly — ask the volunteer manager if you need specifics.

Check insurance on a group profile

  1. Open the group's profile page (from Search → Groups, or from an opportunity they host)
  2. In the Details panel on the right, review the insurance indicators

You will see whether the group has Public Liability Insurance, Volunteer Accident Insurance, or both. If the group has no policies on file, you may see This group is not insured, or Insurance auspiced by [organisation name] if they are covered through an auspice agreement.

Check insurance on an opportunity

  1. Open the opportunity page
  2. Click Insurance in the footer (right side)

The popover shows the same coverage types and status as the group profile.

What the indicators mean

Indicator Meaning
Currently insured The group has entered a policy of that type with a future expiry date
Not insured No current policy is on file for that type (expired or not provided)
This group is not insured No insurance policies or auspice details are listed
Insurance auspiced by [name] A larger organisation holds insurance on behalf of this group

Insurance types

Type What it covers
Public liability insurance Costs from legal action if the organisation is found liable for death or injury, loss or damage of property, or economic loss from negligence
Volunteer accident insurance Medical costs from accidental injury while volunteering on behalf of the organisation

Employees are covered under workers compensation; volunteers generally are not. Some organisations may not need volunteer accident insurance if they only endorse volunteering managed by other groups.

Before you volunteer

  1. Check the insurance indicators on the group profile or opportunity
  2. Ask the volunteer manager or contact listed on the opportunity:
    • Whether you are covered for the specific role and activities
    • What the policies include and any exclusions
    • Whether youth volunteers or specific activities need separate cover

Some opportunities may not be visible to volunteers under 18 if the organisation does not have suitable insurance. See Youth accessible opportunities.

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