To protect volunteers cooking at special events, what should a church add to its workers' compensation policy?

To protect volunteers cooking at special events, a church should add a Voluntary Compensation Endorsement to its workers' compensation policy. This type of endorsement specifically extends coverage to volunteers, ensuring they are eligible for benefits in the event of a work-related injury. Volunteers are typically not classified as employees, so standard workers' compensation policies might not cover them.

By opting for this endorsement, the church acknowledges the risks associated with volunteer work and provides necessary protection for those individuals who may be injured while participating in activities on behalf of the church. This not only promotes safety but also offers reassurance to volunteers, knowing that they will be supported in case of injury.

In contrast, other types of coverage, such as General Liability or Professional Liability, focus on different aspects of risk management and may not specifically cater to the injuries sustained by volunteers during their duties. An Additional Insured Endorsement extends coverage to other parties, but does not address the specific needs of volunteers under a workers' compensation policy.