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406.098 of the Texas Labor Code, emergency service organizations are permitted to obtain workers' compensation insurance coverage for their volunteer members. Many business owners assume volunteers are covered under workers' compensation or general liability insurance.Workers' compensation pays for benefits like medical care to treat employees who are injured or become ill because of their jobs. Are Volunteers Covered Under Workers' Compensation? What if I am self-employed? Are family members covered? WORKERS' COMPENSATION. Chapter. 1. Definitions And General Provisions. 2. New York State Workers' Compensation Board Home Page. Essentially, this means that if you are volunteering for a government entity, you may be covered under workers' compensation.