Fairfax County uses volunteers in a multitude of activities, both for general use and for public safety. The Risk Management Division provides insurance coverage for these volunteers, as well as training for agencies and volunteers so everyone is aware of what benefits are available and how to obtain them.

The volunteer insurance program consists of:

Excess Accident Insurance Coverage: The accident insurance coverage provides excess accident medical insurance for those  volunteers who are injured while traveling directly to and from the work location, or while participating in volunteer related activities. The coverage will pay up to $25,000 for medical treatment, hospitalization and licensed nursing care, required as the result of a covered accident. In the event that the volunteer has no other accident insurance coverage, this accident insurance policy would be primary. Accidental death and dismemberment coverage is also included with this coverage.

Excess Automobile Liability Insurance Coverage: The excess automobile liability insurance coverage provides protection to the volunteers for bodily injury or property damage automobile liability claims arising out of their volunteer activities. This coverage would also provide protection for accidents that occur while driving directly between the volunteer's residence and work location. The limit of insurance for excess automobile liability is $500,000 for each accident.

The excess automobile liability policy requires that the volunteer carry insurance of at least $10,000 per person, and $20,000 per accident or the state minimum limits of liability. This policy will provide excess liability protection over the minimum State requirements, or the volunteer's own insurance policy, whichever is greater.

Excess Personal Liability Insurance Coverage: The personal liability insurance provides excess coverage to all volunteers for a personal injury or property damage claim arising out of the performance of the volunteer's duties. The personal liability policy provides volunteers with a $1,000,000 per occurrence limit of liability. If the volunteer does not have other personal liability coverage, then this personal liability insurance policy will be primary.