Question: Does insurance cover new officers mid-year?

I stepped down from my president position last year to give some new blood a chance. A new president came in and did a great job, but now she is pregnant and due in a few months and has decided to quit. I am now being asked to come back and fill her shoes for the remainder of the year. My dilemma is that I’m not sure whether I’m currently covered by their insurance (we have a big carnival coming up). Do I need to apply for new coverage in the middle of the year? Or is coverage tied to an officer’s title and not the name?

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Advice from PTO Today

Elly writes:

Kudos for stepping up while she tends to her added responsibilities at home! And good for you for thinking of the finer details, like insurance coverage for your group.

Elly thinks you should first give your parent group’s insurance policy contract a quick review. There likely may be wording that stipulates whether any and all of your volunteers and officers are protected or whether only individuals specified on the document are covered. If the policy requires that the names of each parent group member be listed on the policy, then, yes, you’ll need to contact your insurance company and have those changes reflected on your insurance documents.

Good luck with that carnival. Elly would say "break a leg," but, well, she thinks that you’ll probably need two good limbs for all that running around you’ll be doing.

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