Scouts-L Mail Archive for August of 1999: Re: Trailer Insurance
Re: Trailer Insurance
Wed, 11 Aug 1999 14:21:16 -0600
> Our Troop is considering the purchase of an enclosed cargo trailer for
>storing and hauling camping equipment.
> How is the best way to title the trailer to get insurance coverage? We
>would prefer an insurance policy to cover the contents, in case of theft
>while the trailer is stored, as well as comprehensive coverage to repair
>trailer and contents in an accident. What liability does the individual
>towing the trailer assume in an accident?
> Also interested in any comments regarding length, tandem vs single axle,
>and where the best deals might be located.
We have two trailers. One a single-axle 7ft trailer (I think, could be a
little longer) and one, a tandem 12 footer that we have put 4ft high sides
on. We have tarps that we cover them with. The enclosed trailer would
allow you to store things outside which would be nice IF you're in a fairly
low-crime area. One of our neighbor troop's trailer was broken into right
in the church parking lot! And we've had two canoes stolen while behind
our cabin which is located right by the church (our CO).
Check with your charter organization regarding insurance. Our CO has an
umbrella policy that provides for all our troop gear, nine canoes, three
trailers, etc. Keep in mind that the troop "owns" nada! All of the
equipment and all the money in your treasury belongs to the CO!!!! So they
are the ones that will have to insure it, I think (insurance pros help!).
Now our troop pays for the registration of the trailers, the utilities for
our scout cabin, etc. But troops don't own anything. You could re-imburse
the CO for the insurance premium if you choose.
The tandem trailer is great for really large campouts and summer
camp....but we also have a little trouble having enough folks to PULL it
fully loaded....we have about 30 very active leaders and only 5-8 have
vehicles that will pull the large trailer fully loaded. Keep that in mind.
(We actually pulled the bumper off a 1/2 ton, 4wd Pickup belonging to one
of our leaders!)
Hope this helps!
BLUE SKIES!, Any day above ground is a good day!
BS RT Comm, Pelathe Dist
Heart of America Council Eagle Class of 1963
ASM, T-55, Lawrence, Kansas Brotherhood, Tamegonit Lodge
email: firstname.lastname@example.org Mic-O-Say: HW "Shieldmaker"