Ensure that appropriate insurance cover is provided to protect volunteer staff & volunteer board members


The insurance broker is the agent of the organisation and arranges insurance for individuals or organisations having negotiated the best possible policy terms and premium from the insurance market. The insurance broker may renegotiate with different underwriters from time to time in order to get the best deal.

The Queensland State Government passed a Civil Liability Act 2003 which has a volunteer protection clause included. Volunteers working in registered nonprofit organisations engaged in voluntary activities defined by the organisation are protected from legal action provided they are not acting outside the law. View details of this legislation.

Volunteering Queensland recommends that organisations involving volunteers seek professional advice in determining what cover is available and most appropriate for their needs. The first requirement in considering insurance is to understand the various types of cover available to protect volunteers.

Types of insurance to consider

Risk management

Risk management is a process used to identify the extent and nature of the risks involved in the activities carried out by an organisation.

This process is designed to prevent or reduce the level of risk to an organisation. It is also the best way to identify the most appropriate insurance cover or covers for an organisation.

The Insurance Puzzle Solver

With Aon’s online, quick, interactive and customer-friendly Insurance Puzzle Solver you can answer just a few YES/NO questions and have it recommend the insurance required by your organisation. It also gives you the opportunity to apply online only for those covers.

With the many risks faced by volunteer-involving organisations and the pressures of funding, and costs associated with a claim, it’s important your organisation has the appropriate insurance. Try the Insurance Puzzle Solver today to find out and share it with a fellow nonprofit.

Volunteering Australia

Visit Volunteering Australia’s website for information sheets explaining your insurance options, getting the right cover, not-for-profit non-Medicare expenses, cyber liability insurance and more.

Not-for-profit Law

Visit Not-for-profit Law’s website to view their risk management and insurance guide that can help your organisation identify and address risks including OHS, negligence and risks involving employees.  

Further information

To talk about risk management and insurance covers and their content, contact our team on (07) 3002 7600.

For more detailed information or quotes for any of the above insurance covers, please contact:


Disclaimer: Volunteering Queensland has made every effort to ensure the appropriateness of the information contained above. However, as the information is for general use and is not intended to serve as advice, no warranty is given in relation to the accuracy, reliability or appropriateness of any information. No part of the information is intended to replace detailed and expert advice in respect of individual circumstances. Users of this information are therefore encouraged to consult with their chosen professional advisers before making any decision. Volunteering Queensland disclaims all and any liability to any person in respect to any consequence of actions or otherwise based on information contained herein.


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