Insurance for voluntary workersProtect the people taking part in the voluntary work of a housing or property company.
Get cover for your housing company’s voluntary work
The insurance for voluntary workers covers accidental injuries sustained in voluntary work by residents in a housing or property company and the persons involved in voluntary work.
Insurance for voluntary workers that suits the circumstances of your housing company
You can insure the persons taking part in voluntary work either as additional cover for real estate insurance or as Group accident insurance. Our experts know how to select the option that best suits your needs.
Pohjola Claim Help is at your service 24/7
Claim Help assists your company and personnel in the event of loss or injury. You have quick access to instructions and contact details of OP partners such as subsequent loss prevention service providers.
Insurance for voluntary workers as an additional cover in real estate insurance
You can buy insurance for voluntary workers as additional cover for real estate insurance, in which case it covers accidental injuries sustained in voluntary work by residents in a housing or property company and those involved in voluntary work.
The additional cover is valid in the renovation or maintenance work carried out in the building or outer areas of a housing corporation or real estate company through caretaker shifts or joint voluntary work which have been jointly agreed on in advance.
Insurance for voluntary workers provides cover in the event of personal injuries resulting from accidents, including injuries sustained when trimming shrubs or falling off a ladder. No deductible is applied under comprehensive insurance for voluntary workers.
The insurance does not cover property damage or losses caused to third parties. Liabilities and property damage sustained by the housing company are compensated under separate insurance policies for housing companies.
Insurance for voluntary workers as Group accident insurance
Insurance for voluntary workers can also be taken out as Group accident insurance to cover short-term projects such as construction or painting work carried out as voluntary work. The Group accident insurance also covers the persons participating in the housing or property company’s communal voluntary work or taking shifts as caretakers.
You can buy Group accident insurance for a registered company, association or another party that has a business ID. Group accident insurance protects the voluntary workers in the event of accidents.
Personal customer’s insurance for voluntary workers
You can buy insurance for voluntary workers even as a personal customer. The personal customer’s insurance for voluntary workers is intended to protect you as the policyholder when you take part in voluntary renovations or yard maintenance, for example. Insurance for voluntary workers is part of a personal customer’s Group accident insurance and can be granted for a fixed period for one or more persons.
Corporate customers’ comprehensive insurance for voluntary workers and Group accident insurance cover the residents of a housing company or property company against accidents in work related to property maintenance, and voluntary workers when performing voluntary work. The insurance therefore covers a larger group of people.
What affects the cost of corporate insurance for voluntary workers?
The price of the insurance for voluntary workers is affected by the type of the insurance, that is to say, whether the policy that best suits your company is the comprehensive insurance for voluntary workers as an additional cover for real estate insurance, or the Group accident insurance that can be used for many different purposes.
Among other factors, the price can also be affected by the maximum amount of compensation, period of validity and number of insured persons.
Our capable experts are happy to help you review the needs of your company and choose the best insurance solution. Request an offer for insurance for voluntary workers!