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Excellent question! Some states say that if a volunteer is compensated with so much as a t-shirt or a sandwich, that worker becomes an employee. It depends on the state & your agreement (unless the state's rules override your agreement.) Since your question is in the Work Comp (WC) category, I assume you're interested in WC requirements of the group. If your volunteer unit does not provide WC, you might ask them to consider Occupational Accident and Contingent Liability coverage. Available in most states, Occupational Accident coverage can be customized and often is less expensive than Comp. They aren't the same, though, and when used for independent contractors & volunteers I personally feel it should *always* be paired with Contingent Liability. Your group's insurance agent can help.

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Q: Is a volunteer firefighter considered an employee?
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