See this document for an overview of OCF's core policy coverage:
Summary of Insurance OCF.pdf
Is signing up for insurance required?
Usually getting insurance for your Collective is optional.
There are certain enhanced risk factors where OCF may require extra insurance, such as if the Collective:
Has employees (not independent contractors).
Wants to sign a lease for a physical premises.
Specifically works with vulnerable people like children, disabled individuals, or the elderly.
Offers formal counseling, education, tutoring, and other professional services.
Wants to hold special (offline) events involving large numbers of people (e.g. a conference or fun run) or handle dangerous materials (e.g. hazardous waste cleanup, industrial tools).
Driving vehicles to carry out Collective activities (beyond casual transport, such as moving trucks).
How much does it cost?
For standard liability coverage, it's $600 per year (sometimes slightly less). If specialist coverage is required or the project is very large (like 1000+ volunteers involved), it may be more.
If $600 per year is acceptable, go ahead and fill out the form and we'll get your coverage in place as soon as possible.
For special situations outside the norm, contact us about getting a quote, but please be aware that the quote process can be very slow (up to 2 months), so we recommend not waiting for a quote where possible.
How do I sign up?
If you are interested in getting liability insurance for your Collective, please fill out this form. We will get in touch with more details.