scouts-l Mail Archive for June of 2000: Re: Insurance and Liability Experiences
Neil Lupton (NeilLup@AOL.COM
Fri Jun 02 2000 - 13:41:51 CDT
In a message dated 6/2/00 1:15:06 PM, ikmom4@CORE.COM writes:
<< 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
Are there any other instances that would cause you to not be covered?
Pack 491 MC
Troop 491 CC
Hanover Park, IL >>
Oh my! I am not an insurance expert, but that is one of the most amazing
stories that I believe I have ever heard.
As far as not being covered, that is not necessarily a cut and dried matter.
Settling an insurance matter can often involve a complicated negotiation
among the parties involved, the BSA, the insurance companies, etc. Some of
the time, the insurance company may be on your side (defending you and paying
the claim) some of the time, they may be opposed (trying to argue that you
are not covered).
So the best counsel I can give is that one should act in as reasonable a
manner as possible, follow G2SS, get a Tour Permit, follow the travel and
trip regulations, have permission slips, have everybody registered, etc. etc.
etc. I am not sure that any one of these items would be a "killer" as far as
insurance coverage, but the more thing you have done correctly, the better
your position should the insurance company try to deny that you are covered.
Perhaps committing an intentional felony on a trip might be an automatic
exclusion. However, even if party A committed an intentional felony, there
might be a question if parties B and C also on the trip were sued.
So follow the rules and be reasonable seem to be very safe guidelines.