scouts-l Mail Archive for June of 2000: Insurance and Liability Experiences
Marc Godbout (marcgodbout@LANCAST.COM
Thu Jun 01 2000 - 13:47:44 CDT
Over the course of thousands of questions posted to this list (and others) a
couple of common answers seem to pop up often. So now I, being the curious
type, am surveying the cumulative experience of this list to find out how
relevant these answers are.
One of these is, "Because you won't be covered by insurance". I've been
doing the Cub Scout/Boy Scout/Venturing thing for about 14 years and have
never once heard of anyone actually using the BSA insurance policy. Nobody
in any unit I've been associated with has ever inquired about it, nor have I
heard anyone from any other areas mention any experience in this area. And
I've seen a fair share of injuries and driven several scouts to hospitals
for things from stitches to broken bones. So how about it - Has anyone out
there ever actually had personal experience processing BSA insurance claims?
The second common pearl of wisdom is, "It's a sue-happy world out there, so
you've got to cover your tail", or some such words. I've been sued, my
parents have been sued, and my grandparents have been sued, but never in a
Scouting context. Similar to the above insurance issue, I've never heard of
anyone sued because due to a Scouting related incident.
So how probable are these problems, really? Are we blowing all this out of
proportion or am I and my local cohorts just the lucky ones? I know we've
got to be prepared (where have I heard that before? :>) for any possible
consequence, but my experience is telling me that we should make our
decisions based on the chances of someone getting hurt and how badly, and
lessen the worry factor based on if we're fully insured and who will sue us.
In the interest of keeping this somewhat scientific, if anyone does have
some experience to share, could you also supply how many years you've been
in the business and in what ? Also, try to refrain from "a friend of a
friend" stories. These usually fall into the urban myth category.
Thanks so much.
Advisor - Crew 98