Community Education program brochures Game plan for booster clubs - Page 11

Volunteer Risk Management The inherent protection of a booster’s volunteers from personal liability depends on its legal identity. An association has no identity and provides no protection of its members. A nonprofit corporation provides a legal identity that does protect its members from individual liability, except in cases of willful misconduct or malfeasance. These protections are identified in the by-laws and/or articles of incorporation. (A 501c3 is a nonprofit that is also exempt from paying income tax on earnings.) Consider different types of personal liability that can impact volunteers. • Acts of a Booster Club’s Volunteers Insurance is one way to cover injury or harm caused by the acts of the volunteers. The policy should apply whether the volunteers themselves have been hurt or whether participants have been hurt in the course of volunteers’ activity. General liability insurance is the best method to handle this exposure. Be sure that volunteers are considered insured under the policy. • Acts of Board Members of a Booster Club Directors and officers liability covers the decisions and actions of the volunteer board. • Automobile Related Liability Auto liability insurance can be purchased to cover vehicles owned by the organization. If there are no owned autos, the organization can purchase coverage that would apply in excess over the insurance available under the volunteer’s personal auto liability policy. Volunteers need to be aware that automobile insurance coverage follows the vehicle and the volunteer’s insurance will be the first to pay for any damages in the event of an accident, even while driving for the organization or district. 7