No — workers’ compensation only applies to employees (W-2). Volunteers are excluded by definition. However, organizations with active volunteer programs should carry volunteer accident insurance, which provides medical bills, accidental death and dismemberment benefits, and limited disability income for volunteers injured during organizational activities. Coverage is inexpensive (often under $1,000/year for substantial volunteer programs) and protects both the volunteer and the organization from awkward post-injury fundraising appeals.

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