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Premium rates for volunteer accident coverage were decreased nearly 15 percent for 2010, making it even easier for Minnesota cities to turn to volunteers as one way to continue to provide city services while reducing city budgets.
More and more, volunteers are providing services for community celebrations, city construction and demolition projects, city cleanup days, senior citizen programs, and traffic control. It’s important for cities that use volunteers to consider the safety of the volunteers, and how those volunteers would be protected from injuries sustained while providing a service to the city.
What volunteers are covered?
LMCIT offers Workers’ Compensation members an optional policy to cover volunteers if they are injured or cause an injury. Volunteer accident coverage automatically covers most volunteers who work at the city’s direction and control. Those who are covered include:
What volunteers are not covered?
Not all volunteers are covered under this policy. Some volunteers are defined by the Minnesota Workers’ Compensation statute as city employees. Those defined as employees include:
Volunteer accident coverage provides the following benefits:
The city can add an additional coverage to provide volunteers with coverage for as much as $1,000 of medical costs. This coverage helps cover medical costs the volunteer might otherwise be responsible for under the deductible on his or her health coverage.
The following are a few facts about premium costs: