Most of the readily available information on “volunteers” is along the lines of
Voluntary work includes any work performed by a member of the strata or any person volunteering on it’s behalf. It could be maintenance or renovation inside and outside of the building, or cleaning and gardening communal areas.
It’s common for owners or tenants to work on behalf of the strata company. But if one of these volunteers gets injured, the strata company may need to cover their income as per the PDS.
It seems your coverage may be selling you short. It might be worth looking at your policy to see the exact wording.