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Frequently Asked Questions

Below are some of our frequently asked questions.  If you have any other questions or concerns, please feel free to contact us.

  1. As a ministry are we required to purchase a Workers Compensation Policy?
  2. As a ministry, are we required to carry workers compensation for volunteers?
  3. What is the definition of a volunteer?
  4. We have a retreat and some of the members going are driving their personal vehicles and are providing rides to some of the other members that are going on the retreat. Who’s insurance is responsible for covering the people and the vehicle?
  5. Does my Insurance Carrier automatically send proof of auto coverage to the DMV?
  6. Our ministry is planning on going to Mexico for a Missions Trip; does our auto policy cover us while we are in Mexico?
  7. What is a passenger endorsement?
  8. What are acceptable driver requirements?
As a ministry are we required to purchase a Workers Compensation Policy?
Yes, most states require employers to have workers’ compensation insurance if they have one or more employees. “Employee” means every person, including aliens and minors, rendering actual service for an employer, whether gratuitously or for wages, pay or compensation.

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As a ministry, are we required to carry workers compensation for volunteers?
It is possible to cover volunteers under your workers compensation policy; however, the most common practice is to cover volunteers under the general liability policy.

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What is the definition of a volunteer?
Labor Code typically defines volunteers as an individual performing services freely and without coercion for a civic, humanitarian or charitable purpose to a public agency or non-profit organization.

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We have a retreat and some of the members going are driving their personal vehicles and are providing rides to some of the other members that are going on the retreat. Who’s insurance is responsible for covering the people and the vehicle?
The owner’s insurance is primary; however, if they do not have enough coverage on their own policy to cover the persons in their vehicle then the ministry’s policy would be secondary and help with the damages.

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Does my Insurance Carrier automatically send proof of auto coverage to the DMV?
With business auto policies, the DMV requires the insured to provide proof of insurance during registration. The insurance carrier cannot send the information on behalf of the insured. 

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Our ministry is planning on going to Mexico for a Missions Trip; does our auto policy cover us while we are in Mexico?
No. You will need to purchase temporary auto coverage at the Mexican border for your vehicle to be covered.

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What is a passenger endorsement?
Drivers operating a bus or van that is designed, used, or maintained for carrying more than 10 passengers, including the driver, are required to obtain a passenger endorsement. This endorsement will be printed on the back of the drivers commercial drivers license showing that they have completed the test required to legally able to drive under the above definition.

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What are acceptable driver requirements?
  • Driving Record Guidelines
    • Max of 1 moving violation in the last 3 years in combination with one at fault accident.
    • Max of 2 moving violations in the last 3 years with no at fault accidents.
    • Max of 2 at fault accidents in the last 3 years with no moving violations.
    • No speeding over 80 miles per hour.
    • All Drivers must be licensed for at least 3 years
  • Age Requirements
    • Philadelphia’s age requirements are 25 – 74
    • GuideOne’s age requirements are 25 – 70


  • As respects to drivers under 25 years old, the following guidelines apply:
    • No drivers under 21 years old.
    • Drivers between the ages of 21 and 25 will be considered so long as:
      • No driving of 15 passenger vans.
      • Clean MVR.
      • Valid Driver’s license in effect for at least 3 years.
  • Any driver with any of the following in the last 3 years is discouraged: 
    • Suspension or revocation for other than failure to pay fines.
    • Driving under the influence of alcohol or drugs.
    • Careless driving.
    • Negligent homicide arising out of the use of a motor vehicle.
    • Operating during a period of revocation or suspension.
    • Using a motor vehicle for the commission of a felony.
    • Aggravated assault with a motor vehicle.
    • Operation of a motor vehicle while unlicensed.
    • Speed contests.
    • Any other criminal use of a motor vehicle.


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5225 Canyon Crest Drive, Suite 71-223, Riverside, CA 92507 | Phone: 951.485.4108 | Fax: 951.485.4109 | Licence #0H74868

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