What is difference between liability and accident insurance coverage? What kind of protection are 4-H volunteers provided?
Liability coverage typically refers to damage or injury to other parties that is attributed to the negligence of the University and/or its agents (volunteers). Accident insurance coverage refers to accidental injury or illness to 4-H members or volunteers that occurs during a 4-H activity. Accident and injury insurance is provided under a policy issued by The Hartford and is described in greater detail in a separate FAQ document. In general, registered volunteers are covered by the University’s general liability insurance while participating in official activities and acting within the course and scope of their duties. This coverage would include damage to another’s property or injury to another person that occurs due to negligence on the part of the University and/or its agent (the volunteer).
