scouts-l Mail Archive for June of 2000: Re: Insurance and Liability Experiences
MAJ) Mike Walton (settummanque, the blackeagle (blkeagle@USSCOUTS.ORG
Sat Jun 03 2000 - 01:01:00 CDT
>I have heard in the past that if you do not have your uniform on (scouts as
>well as adults) when traveling you will not be covered by BSA insurance...is
Not at all. You are covered whether you are wearing the official BSA Cub,
Scout, Venturing or adult field or dress uniform, OA dress garments (fires
DO get hot, you know! *smiling*) or any activity uniform, official or not.
Or street clothing, to include bluejeans and teeshirts. The important
fact is what were you doing when you were wearing whatever it is you're
Another "rumor" is that "your are only covered during the event or
activity". That too, is false. You are covered from the time and location
of the "meeting point" or multiple meeting points until the time you return
to that location or meeting point at the conclusion of the activity or
event. It is "end-to-end" coverage, not "specific point" coverage.
Finally, several Scouters ask me "I have a kid who is interested in joining
the unit. Can we take him (or her, in the case of Venturers) on the
activity without them being registered??" Yes, you can, for the BSA's
liability insurance coverage does cover bonafide guests of that unit. BUT
to make it official, you should provide that information about that guest
at the time of your filling of the local Tour Permit with your Council or
upon arrival of the unit at the encampment location. It is ALWAYS a good
idea to list on a separate piece of paper each participant (youth, adult,
guest, family) that is attending the event you have requested the Tour
Permit for. Why? Two reasons, one because of the insurance coverage. The
other is because frequently in the case of an emergency, the state police
or parents will contact the Council office first before they contact the
unit....and if the Council has a local Tour Permit on file WITH the names
and status of each participant, it makes it so easy to locate that unit and
advise them of the emergency.
The BSA will not cover your unit if it is not chartered. Lapsed units are
covered but some Councils won't touch a unit libility-wise if the charter
expired more than 90 days after the end of the charter period. So check
your charter before you leave.
Some Councils will not cover their units if the adult in charge has not
been through Youth Protection and a basic training course appropriate to
the youth he or she is working with. It's a matter both of pride and of
insuring that the person has a general idea of what should happen during
Some Councils also will not cover units if they are travelling with an
expired or revoked drivers' license. They have no way of verifying this
initally, but if you do lose your license or have a suspended or special
use license, some Councils will ask you not to take those Scouts out.
Finally, there are a few Councils that will not cover their units and
members if they don't perform and provide verification of maintenance done
on automobiles, vans, and camper trucks used for Scouting activities. It
makes sense, Irene...they need to reduce their risk.
Check with *your local Council* and get their policies in writing BEFORE
They will be happy to provide it to you....
Hope all of this helps out, Irene...a little more information than you
(MAJ) Mike L. Walton (settummanque, the blackeagle)
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