Which term describes a person who is not your employee and donates work and acts at your direction without compensation?

• A. Tort
• B. Statutes
• C. Third-party Action-over Claim
• D. Volunteer Worker

Answer: (D)

The main idea here is identifying a person who isn’t an employee but contributes labor without pay under your direction. A volunteer worker fits this description precisely: they donate time and services, work under your direction, and do not receive compensation. This distinction matters in liability and workers’ compensation contexts because it affects how such individuals are insured and protected under a policy; they’re not employees, but they’re still participating in activities under your control.

The other terms describe things, not people. A tort is a civil wrong, not a person. Statutes are laws. A third-party action-over claim refers to a legal claim against someone else, not a type of worker.