Personal accident insurance (or, as it is sometimes known, volunteer insurance) generally covers members, volunteers, officials or participants for any out-of-pocket expenses following accidental injury, disability or death while carrying out their work on behalf of the organisation.

It normally covers loss of income, too, if the injured person is unable to work as a result of the incident.

This is different from public liability insurance, which protects the organisation and volunteers against negligence involving third parties.