One thing is certain. If you carry liability insurance for your railroad organization, it does not give you adequate protection for injury to your Volunteers. When a Volunteer is injured, the very first question is whether this person merely hurt himself/herself, or whether the organization was actually responsible for the injury. In most cases there is no clear negligence or legal liability on the part of the organization. Ultimately, the claim will probably be denied, and then you have a very serious problem on your hands. There could be a lawsuit, and the insurer would certainly have to defend your organization. But, now we have lots of people upset, perhaps with one another - a serious situation suddenly becomes even worse. This can literally tear an organization apart, and more importantly, the volunteer may have no other insurance or a large deductible and/or co-payments to make.
One partial solution to your problem is a Volunteer Accident Policy, and McRAIL is a major source for access to such protection. The organization can purchase such insurance to apply to all of its active members and it can provide at least some basic benefits. Such policies are generally very affordable and can provide benefits for loss of life, for listed dismemberment or paralyzing injuries, for accident medical expense, and income protection for the injured volunteer.