Re: PTA liability
Bruce E. Cobern (bec@PIPELINE.COM)
Fri, 20 Oct 1995 12:22:15 -0400
On Oct 19, 1995 10:41:04, 'John Pannell <PANNELLJ@DELPHI.COM>' wrote:
>It is now probably too late for Claudia, but ANYONE when faced with a
>liability suit should IMMEDIATELY contact the insurance company that
>their homeowner's or tenant's insurance or your insurance agent. Most such
>policies provide $100,000 in personal liability coverage as well as the
>insurance company's responsibility to defend such claims.
>For those who rent but do not have tenant's (or renter's) insurance, this
>is reason to purchase it given the state of the American legal system. It
>very cheap, about $100 per year, depending on where you live.
I would like to add two comments to John's. First, in addition to the base
liability coverage included in the homeowner's/renter's policy many people
who are active in volunteer organizations (Scouts, PTA) find that carrying
an umbrella liability policy is well worth the premium for the policy. My
$1 million policy costs be about $150 in premium. The umbrella policy
requires that you carry certain minimum underlying liability coverages on
your home and cars, but this limit is very often lower than what you are
now carrying so you can recover some of the cost by reducing the limits on
your primary policies. As with the primary policy these policies obligate
the insurance company to provide counsel to defend the claim.
Second, doesn't the PTA, at either a national or local level provide
liability coverage to its volunteers? We all know that BSA does, but
doesn't the PTA? Totally unrelated to Scouting, what if there is an injury
at a PTA picnic or something and the individuals are sued, won't the PTA
defend them if they were acting in their PTA capacity? If they do provide
that coverage then it should also apply if the lawsuit arises out of the
PTA's sponsorship of the Scout unit. If it doesn't provide such coverage
then I would be hesitant to be involved with them because THEY are the ones
who have the insurance problem, not the BSA and any volunteer with the PTA
puts themselves at far greater risk because of their association with the
PTA than they do because of their association with BSA.
In summary, I believe that the insurance issue should be a non-issue
vis-a-vis sponsorship of BSA units. Unfortunately, it is not.
Bruce E. Cobern
Terry Howerton Sakima Group, Inc. SCOUTER Magazine Kansas City