Insurance cover whilst volunteering
Volunteering is enjoyable and rewarding, but it also carries risks – such as accidents or damage caused to others.
Those involved in voluntary work are automatically covered in many areas by statutory accident insurance (Section 2 of Book VII of the Social Code). For activities without existing insurance cover, the collective insurance policies of the State of Baden-Württemberg also apply (on a subsidiary, i.e. subordinate, basis). Nevertheless, volunteers and organisations should be aware of what cover is in place and where further action is required.
What sort of protection is important?
When it comes to volunteering, there are two key questions:
What happens if I’m involved in an accident myself?
What happens if I cause damage to others?
Characteristics of volunteering
Volunteering is generally voluntary and benefits other people or the common good. It often takes place within an organised framework, for example in a club, an initiative, an organisation or a project.
Common characteristics of voluntary work include:
- carried out voluntarily
- unpaid – an expense allowance (e.g. a flat-rate allowance for volunteers or activity leaders) may be provided
- carried out regularly or on a recurring basis
- organised and structured
- for the benefit of others or the common good
Insurance rules are complex and subject to change. The information on this page provides a general overview and is not a substitute for individual legal advice. For up-to-date and binding information, we recommend contacting the relevant insurance provider or volunteering co-ordinator directly.
Information current as of: September 2026 – Legal and contractual provisions may have changed since then.
Security creates a favourable environment
Good insurance cover helps to ensure that voluntary work is carried out reliably. It provides peace of mind for volunteers and supports organisations in fulfilling their responsibilities effectively.
That is why it is worth clarifying any questions regarding insurance cover at an early stage – particularly when taking on new tasks, organising events or working in specific locations.
The “German Foundation for Volunteering and Civic Engagement” offers free advice on insurance cover.
A brochure published by the State of Baden-Württemberg provides a good overview of the various types of insurance and their requirements.
Advice on insurance cover Brochure from the State of Baden-Württemberg
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