I already have malpractice coverage, either personally or through my employer; if I volunteer, which policy will cover me – mine or the organization’s?

The answer depends on whether the civil legal aid organization’s policy is “primary” or “secondary” to your coverage. “Primary” coverage means that the organization’s policy will cover first if there is an issue. “Secondary” coverage means that your policy will be responsible for coverage, with the organization’s policy providing supplemental coverage; if you don’t have separate coverage, then the organization’s policy will be primary.

The following organizations offer primary coverage for their volunteers:

• Indiana Legal Services
• Pro Bono Indiana

Other organizations may also provide primary coverage; you should verify what type of coverage the organization provides for its volunteers.