Stiftung Warentest tests cover of volunteer dedicated to Stiftung Warentest to test in the current issue of the journal 03/10 the insurance protection of volunteer leaders. Already a little carelessness can cause expensive damage contracts or events, what Board members and their deputies personally in the liability. test informed about risks of volunteering and gives tips for safeguarding. This refers to the insurance package of Association German VOLUNTEERING e.V.. To Hans Hachinger, Board German VOLUNTEERING e.V.: “we advise clubs over ten years of experience in tax, legal and technical issues. With our Association protection letter, we offer a complete protection against personal liability risks all authorities of the Association and in addition they receive a legally sound advice at any time through a lawyer or tax advisor.” Package solution guarantees complete insurance protection that idealism does not protect against legal consequences, is the Stiftung Warentest with examples and court rulings. Is expressly noted that Honorary Board members of a registered or non-registered association, the responsibility for the proper management and guide this club wear as full-time Board members are exposed to personal financial liability risks.

The new legal regulation since autumn 2009 exclusion of liability in negligence – attacks only under certain conditions. Are generally in practice difficult to separate slight and gross negligence. What is certain is that clubs need special insurance. In addition to the liability of a club, an asset liability insurance for purely financial damage, any event liability, or a service framework insurance is if not the actual purpose of the Association correspond to events such as an Easter fire when helpers are needed with your own car. It is easiest to access, for a club to the package solution of the German volunteer to have a complete insurance coverage in case of necessity. The German voluntary work Association cares for over ten years to the legal, tax and insurance technical protection of volunteers dedicated people. The membership provides the seal protection against liability risks ‘ and thus extensive protection against personal liability risks. The seal stands for the legal, fiscal, financial, and personal protection by club directors in relation to their volunteering. Members can be all clubs, associations, foundations and communities of interest and benefit from the many services including bylaws reviews, event and property damage liability insurance. Rosemarie Nohbauer