Re: Insurance issues
Don Izard (IZARD@UBVM.BITNET)
Wed, 22 Dec 1993 14:43:38 EST
The insurance woes you reported seem to be common in many councils!
Although, I thought that troops carried a 1 million dollar accident
coverage at teh time of the charter. Or is that optional?
However, as in the case you report, scout masters in this area
have been SUED uder home owner liability for acidents at camp-o-rees
not on scout property. Scout masters are TOLD to carry $1 million
personal liability, adn troops must provide copy of ACCIDENT
insurcane to get tour permits. IF all OTHER insurance is exhausted,
the council is supposed to have an additional $1million coverage.
BUT, it is only a back up to any UNIT, DRIVERs, and UNIT leaders.
However, in NY there has been some recent changes in laws to protect
volunteers and officers of not for profit organization if NO liabiltiy
can be directly proved to the indvidual. Being a MEMBER or officer
of such organizations does not automaticlly make you LIABLE.
However, in the cases WERE the homeowners of the scoutmaster was
successfully seued, the insurance policy was then canceled, and
there have been problems with mortages with out insurance etc.
It is NOT just a BSA problem, BUT BSA has not been emphatic enough
to make sure scout master all have $1 in PERSONAL liability,
and to insure EVERY tour permit has accident coverage as well.
We had a special round table JUST to review insuracne and liability
problems! BUT, not all units attend round table to get the information.
I do not know even half the answers, I am just aware that it has
been a major problem for unit leaders that have had SERIOUS accidents.
I know I would make sure I had verified coverage before I signed
any tour permit, or accepted any position where I COULD be liable!!!
I think BSA has not done a very good job it WARNING unti leaders!!
Terry Howerton Sakima Group, Inc. SCOUTER Magazine Kansas City