Volunteer Accident Coverage

LMCIT volunteer accident coverage: Standard coverage feature

The League of Minnesota Cities Insurance Trust (LMCIT) will make the volunteer accident coverage, previously an extra cost coverage option, a standard coverage feature for members of the workers’ compensation program at no charge. This will go into effect for members with coverage renewing on or after Jan. 1, 2016.

Examples of covered volunteers
The volunteer accident coverage provides benefits to volunteers if they are injured or cause an injury. It automatically covers volunteers who work at the city’s direction and control. Coverage is available to a variety of volunteers. Examples include:

  • Coaches.
  • Instructors of park and recreation programs.
  • Volunteers on city-sponsored festivals or celebrations.
  • People who work on city construction and demolition projects.
  • City cleanup day volunteers.
  • Members of advisory boards or committees that do not have independent decision-making authority.

Not all volunteers are included under this coverage. Some volunteers are defined by the Minnesota workers’ compensation statute as city employees and therefore already have the benefit of workers’ compensation coverage. Those defined as employees include:

  • Volunteer firefighters.
  • Ambulance attendants.
  • First responders.
  • Law enforcement assistance volunteers.
  • Emergency management volunteers.
  • Members of boards or committees exercising some level of independent decision-making authority

The benefit levels, which are provided on a no-fault basis, are being increased for renewals on or after Jan. 1, 2016. Benefits include:


The per accident limit for this coverage is $500,000, which applies regardless of the number of volunteers that are injured in a single accident.