What does the Voluntary Compensation endorsement provide coverage for?

The Voluntary Compensation endorsement is designed to extend coverage to individuals who are not typically insured under standard workers' compensation policies, specifically volunteers and workers who do not qualify for statutory benefits. This can include situations where individuals contribute to an organization but do not receive the same benefits as traditional employees.

By including things like volunteers, which are common in non-profit organizations, and certain categories of workers who might be excluded from regular workers' comp policies, the endorsement assures that these individuals have access to benefits in case of injury during the course of their work. This not only protects those individuals but also helps organizations manage their liability effectively.

Other options, such as only covering full-time or part-time employees or suggesting coverage for all injuries on a worksite, do not accurately reflect the specific purpose of the Voluntary Compensation endorsement. This endorsement specifically targets those outside the realm of standard employee classifications, thereby filling a crucial gap.