Public liability insurance
Public liability insurance provides for an organisation's legal liability if a volunteer causes personal injury and/ or property damage to a third party. This type of insurance provides coverage in circumstances where the volunteer or group is found to be liable.

Personal accident insurance
Personal accident insurance covers volunteers for personal injury incurred while volunteering on behalf of and under the control of an incorporated community group or organisation. Coverage ranges from death to disability, disablement, a capital sum or a limited amount of weekly benefits. There is often an age limit so that children or retirees are subject to reduced cover or excluded.

The Volunteer Coordinators Network (Natural Areas) Manual © 2004