scouts-l Mail Archive for June of 2000: Re: Insurance and Liability Experiences
Jim Miller Sr. (jjmsr@LSFCU.ORG
Thu Jun 01 2000 - 14:09:34 CDT
While this may sound like one of those "no, but I heard from my lawyer's
friend's uncle" stories, it may help illuminate the point.
My ex-wife's new husband became involved with my son's troop a number of
years ago - # 1 son who is now 30. He became scoutmaster and served in that
role for quite awhile. One summer, while the troop was at camp with other
leaders, he went up to visit for the day. While he was there, a young man
who had been told to remain in the campsite by the designated leader, went
off with one of his friends and as you would expect, had an accident. He
broke a bone - I can't remember offhand exactly which one. His family sued
everyone in site, including my ex-wife's new husband as scoutmaster, despite
the fact that he was only there as a visitor and was not in charge. Lo and
behold, given the wisdom of our "justice" system, the scoutmaster was found
"liable" and was hit with some extraordinary sum to pay. First, he was
covered by his homeowner's insurance policy, and then the BSA liability
insurance kicked in to keep him from paying out of his own pocket. He was
in essence "made whole" by his own insurance and the BSA's insurance so that
nothing came out of his pocket.
While you may not run into many instances in which this happens, rest
assured that you will be very happy to have abided by the rules and be
covered by the insurance if it ever does.
Jim Miller, Sr.
Northern New Jersey Council, B.S.A..
P.S. I've been in Scouting since 1954, and this is the only case of which I
have direct knowledge.
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