Seascout-Net Mail Archive for February of 1999: Insurance - 13 year olds
Insurance - 13 year olds
Tue, 23 Feb 1999 22:10:28 -0800 (PST)
Several respondents have raised the issue of insurance coverage for
guests. Our unit's accident insurance certificate indicates that
"Nonscouts, nonscouters and guests who are being encouraged to become
registered leaders or scouts are automatically insured while in
attendance at a scheduled activity, including group travel with the
scouts to and from such activity."
Note that it does not state that guests must be of joining age at the
time of participation in the activity, but only that they are being
encouraged to join. An infant in attendance at an activity would
clearly not be covered, but someone close to joining age, who is
legitimately being encouraged to join, most certainly would be.
As to BSA's general liability insurance, my understanding is that it
is indeed a "general" policy that covers national and local councils,
units, Scouting officials, volunteers, etc. for most liability
exposures of Scouting functions and activities. It is doubtful that
the participation of a guest close to joining age in any division of
BSA would be a liability insurance problem.
Please don't misunderstand--I am not trying to find a way around the
14 year old joining age. I am just pointing out that a guest who is
not yet 14 is not precluded from participation for "insurance reasons"
nor is an adult leader breaking any rule by allowing such a guest to
Yours in Sea Scouting,
Skipper, Sea Scout Ship 210
Ocean Springs, MS
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