Why Volunteering Staff May Need Extra Insurance Cover
Community spirit runs deep in Tasmania, and it’s not unusual for small businesses to give their staff time off to volunteer or support local events.
But what many don’t realise is that these good deeds can create some unexpected risks — and that’s where the small business insurance Tasmania needs can make a big difference.
At RSM Tasmania, we love seeing local businesses lend a hand — whether it’s helping at a charity BBQ, sponsoring a fun run, or joining a beach clean-up. It builds teamwork, reputation, and connection.
But before your team puts on their matching shirts and heads out, it’s worth checking how your insurance responds when work takes a community twist.
When Good Deeds Cross into Grey Areas
Here’s a question few business owners think to ask: Are my employees still covered if they’re volunteering?
It depends on the situation. If volunteering is part of a company-organised event — say your café closes for a morning so everyone can help at a community breakfast — your workers’ compensation and public liability policies might still apply.
But if staff volunteer independently, even under your banner, they may not automatically be covered. If someone gets injured, damages property, or uses business equipment during volunteer work, the fine print of your policy could decide who’s responsible.
Covering the Gaps Before They Show Up
A quick chat with your insurance broker can save a lot of confusion later. Depending on your setup, you may need to:
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- Extend your public liability insurance to include off-site activities.
- Confirm whether your workers’ compensation applies during voluntary community work.
- Check if your business vehicle or equipment is insured when used for charity events.
These are small details that can make a big difference when something goes wrong — and they’re often overlooked because volunteering “feels different” from normal work.
Keeping It Safe and Sound
The safest approach is to treat community events like any other workday. Have a simple plan that covers:
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- Risk assessment: Know where your team will be and what tasks they’ll handle.
- Safety briefings: Remind staff about lifting, hygiene, and public safety.
- Recordkeeping: Keep a note of who’s involved and for how long.
It doesn’t have to be complicated — just enough to show you’ve done your due diligence.
Helping the Helpers
At RSM Tasmania, we can review your current policies and make sure your generosity doesn’t leave you exposed. After all, protecting your people while they’re helping others is the ultimate win-win.
Because when your business gives back to the community, your insurance should have your back too.
Remember, this article is general in nature and doesn’t take into account your specific objectives, financial situation, or needs. For advice tailored to your circumstances, have a chat with us at RSM Tasmania Insurance Brokers Hobart.
Talk to Roger Hosie and stay ahead with RSM Tasmania’s insights.
Call Now! (03) 6244 7854, or email .
