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Insurance for voluntary workers

Insurance for voluntary workers provides cover for voluntary workers in case of accident
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Voluntary work without a worry

Insurance for voluntary workers covers voluntary workers in case of accidents.

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Tailored cover for voluntary workers

The coverage and sums insured of the insurance for voluntary workers can be tailored to your needs.

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Contact us

Insuring voluntary workers is easy; just call our customer service.

Insurance for voluntary workers against accidents

Voluntary work is an excellent way for people to spend time together and to get some job done in the process. Whether it concerns renovation, yard maintenance or something else, you are advised to take out insurance for voluntary workers. Insurance for voluntary workers is valid in Finland, covering the participants both during work and on journeys directly to and from the place of work. Coverable accidents include, for example, falling off a ladder and any resulting injuries, and injuries caused by a heavy object falling.

The easiest way to take out insurance for voluntary workers is by phoning our customer service. This will enable us to see what kind of insurance you need and to ensure that the insurance for voluntary workers meets your needs. At the same time, we can also go through the coverage and sums insured you want to choose, and insurance cover for yourself and your family. Click on Contact us to see our contact information.

Tailor the insurance for voluntary workers to your needs and avoid any unnecessary worries.

Points to note about insurance for voluntary workers

Insurance for voluntary workers is part of a private customer’s Group accident insurance and can be granted for a fixed period for one or more persons. Insurance for voluntary workers is valid in Finland. Insurance for voluntary workers will not compensate any accidents occurring to the policyholder or family members living in the same household. Please note that work for which you are paid cannot be considered voluntary work, meaning that insurance for voluntary workers is only valid if the workers are not paid. If the workers receive money or other remuneration, they must be insured with Workers' compensation insurance.

Insurance for voluntary workers can also be bought as additional cover to real estate insurance, making it a comprehensive voluntary work insurance policy. The insurance covers the residents of a housing company or property company against accidents in work related to property maintenance, and voluntary workers when performing voluntary work.

Read more about workers' compensation insurance >

Read more about real estate insurance >

Price of insurance for voluntary workers and sums insured

The price of insurance for voluntary workers is determined on the basis of its period of validity, sums insured, number and ages of persons to be insured, but the minimum premium always being 30 euros. To ensure the price of insurance for voluntary workers that meet your needs, we recommend that you contact our customer service.

The sums insured of insurance for voluntary workers can be chosen among several alternatives, depending on your needs. Depending on the sums insured that you choose and the age of the voluntary workers, any accidents can result in 2,500–8,500 euros of medical expenses indemnity, 1,700–45,000 euros of handicap benefit and 850–2,500 euros of death benefit.

Insurance for voluntary workers as part of other group accident insurance policies

A private customer’s group accident insurance includes not only insurance for voluntary workers but also other insurance alternatives. These include trip, camp, club and hobby insurance, daycare insurance, full-time insurance, voluntary occupational accident insurance and leisure-time insurance. Group accident insurance policies, excluding insurance for voluntary workers, are valid everywhere in the world in case of accidents. Group accident insurance policies are not valid in competitive sports, nor for members of a sports club or organisation during sports camps or schools. Read more about a private customer’s group accident insurance alternatives at the bottom of the page.

Do you want to buy a group accident insurance for a registered company, association or some other party that has a business ID? Group accident insurance covers your personnel at all times in case of accidents occurring either at all times or during non-working hours. The insurance also covers any visitors to your company and any events organised by your company.

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Insurance for voluntary workers covers voluntary workers during such work and on journeys directly to and from the place of work.

Trip, camp, club and hobby insurance covers the participants in case of accidents during trip, camp, club and hobby activities you have organised and during journeys directly related to them.

Daycare insurance covers time spent in daycare and journeys straight to daycare and back.

Full-time insurance provides cover for accidents both during work and leisure-time.

Voluntary occupational accident insurance is valid during voluntary work organised by the policyholder, and during journeys directly related to it.

Leisure-time insurance covers accidents occurring during leisure time, excluding occupational accidents referred to in the Workers' Compensation Insurance Act or Farmers' Accident Insurance Act.

The insurance is issued by OP Insurance Ltd. OP cooperative banks are acting as OP Insurance’s representatives.