Re: Are you afraid?
John Blake (Jlake3500@AOL.COM)
Sat, 11 Feb 1995 23:33:21 -0500
Reading of the concerns over insurance. Councils are encouraged to print the
following in their monthly or bi monthly newsletters from the National
Comprehensive General Liability Insurance
This coverage provides protection for the council, all Scouting
professionals and employees, Scouting units, chartered organizations, and
volunteer Scouters (whether or not registered) with respect to claims arising
in the performance of their duties in Scouting. Coverage is more than
$15,000,000 for bodily injury and property damage.
The insurance provided Scouting volunteers through the BSA General Liability
Insurance program is excess over any other insurance the
volunteer might have to his or her benefit, usually a homeowners, personal
liability, or auto liability policy. There is no coverage for those who
commit intentional or criminal acts.
By providing insurance coverage to volunteers on an excess basis, BSA is able
to purchase higher limits. Because of the high limits, volunteers should NOT
be placed in a position where their assets are jeopardized because of a
negligence liability claim or lawsuit. Chartered Organizations are covered
by a primary umbrella policy
Automobile Liability Insurance
All vehicles MUST be covered by a liability insurance policy. The amount of
this coverage must meet or exceed the insurance requirements of the state in
which the vehicle is licensed. (It is recommended, however, that coverage
limits are at least $50,000/$100,000/$50,000.) Any vehicle carrying ten (10)
or more passengers is required to have limits of
$100,000/$500,000/$100.000 or $500,000 single limit. In case of rented
vehicles the requirement of coverage limits can be met by combining the
limits of personal coverage carried by the driver with coverage carried by
the owner of the rented vehicle. All vehicles used in travel outside the
United States must carry a liability insurance policy that complies with or
exceeds the requirements of that country. The council's automobile liability
insurance is excess of the insurance the owner of the auto carries, providing
insurance protection above the limits carried on the auto up to the council's
$15,000,000 limit of coverage. A tour permit or a council short term camping
permit is required when units travel overnight or outside their district.
National tour permits are required for all trips more than 500
miles. These permits should list the drivers' names and limits of automobile
liability insurance carried.
Accident & Sickness Insurance Plan
(Mutual of Omaha)
This Accident and Sickness Insurance may be provided for Cub Scouts, Boy
Scouts, Explorers and adult volunteer leaders registred in the Sioux Council,
and covers them for accidents and sickness (as well as accidental death and
dismemberment) while participating in any official Scouting activitiy. This
coverage is applied for by the council and is in effect on an annual basis.
Addition information on coverage, limits, etc., may be obtained
by contacting the Scout Service Center.
Terry Howerton Sakima Group, Inc. SCOUTER Magazine Kansas City