Appendix A.12 - Senior Corps Minimum Insurance Coverage Requirements

Version 2020.3 Pg. 1 of 2

For all appendices, including editable versions of samples and templates, visit 

https://www.nationalservice.gov/operations-handbook-appendices.

Appendix A.10 – AmeriCorps Seniors Minimum Insurance Coverage 

Requirements

This document summarizes the minimum insurance requirements for AmeriCorps Seniors volunteers, 

specified by AmeriCorps Seniors. Minimum required levels may change from time to time.

Accident Insurance

• Accident insurance must cover AmeriCorps Seniors volunteers in FGP, SCP, and RSVP for personal 

injury during travel between their homes and places of assignment, during their volunteer service, 

during meal periods while serving as a volunteer, and while attending project-sponsored activities. 

Protection shall be provided against claims in excess of any benefits or services for medical care or 

treatment available to the volunteer from other sources, including:

1. Health insurance coverage. 

2. Other hospital or medical service plans.

3. Any coverage under labor-management trusted plans, union-welfare plans, employer 

organization plans, or employee-benefit organization plans.

4. Coverage under any governmental program or provided by any statute.

• When benefits are approved in the form of services rather than cash payments, the reasonable 

cash value of each service rendered must be considered in determining the applicability of this 

provision. The benefits payable must include the benefits that would have been payable had a 

claim been duly made. The benefits payable must be reduced to the extent necessary so that the 

sum of such reduced benefits and all the benefits provided for by any other plan must not exceed 

the volunteer's total expenses. 

• The sponsor must provide AmeriCorps Seniors volunteers with the following accident insurance 

coverage:

o $50,000 or more for accidental medical expenses.

o $50 for repair or replacement of damaged eyeglass frames and $50 for replacement of 

broken prescription eyeglass lenses or contact lenses.

o $500 for repair of dentures; $500 per tooth for treatment of injury to natural teeth, limited 

to a total of $900.

o $2,500 for accidental death or dismemberment.

Personal Liability Insurance for Volunteers

Protection is provided against claims in excess of protection provided by other insurance. It does not 

include professional liability coverage. Protection must be provided against claims in excess of 

protection provided by other insurance. The sponsor must provide third-party protection for volunteers 

against injury or property damage claims arising out of their volunteer service activities. For each 

sponsoring organization, the amount of protection must be $1,000,000 for each occurrence of personal 

injury or property damage and must be in excess of any other valid and collectible insurance, and 

$3,000,000 annual aggregate.
Appendix A.12 - Senior Corps Minimum Insurance Coverage Requirements

Version 2020.3 Pg. 2 of 2

For all appendices, including editable versions of samples and templates, visit 

https://www.nationalservice.gov/operations-handbook-appendices.

Excess Automobile Liability Insurance

To avoid a gap in coverage between that provided by a volunteer’s personal vehicle insurance and 

liability claims in excess of that coverage, the sponsor must provide Excess Automobile Liability 

Insurance coverage of not less than $500,000 each accident for bodily injury and/or property damage.

The sponsor will provide protection against claims in excess of the greater of either:

1. The liability insurance volunteers carry on their own automobiles

2. The limits of the applicable state Motor Vehicle Financial Responsibility Law or

3. In the absence of a state financial responsibility law, $50,000 for each person, each accident, 

and for property damage