Seascout-Net Mail Archive for August of 1999: Re: insurance info
Re: insurance info
Sat, 14 Aug 1999 07:36:44 -0400
Hello, Kevin - and the list.
I've seen the answer to your question more than once, but I can't seem
to find it this morning. Here's what I remember.
(1) "National" provides absolutely NO hull insurance. If you need
insurance to protect your boat(s) against damage or loss, it's up to you
to find it and pay for it. Check your local Yellow Pages, as well as
the national boating magazines, as well as members of Boat US, USPS,
USCG Auxiliary, or your local yacht clubs.
(2) "National" generally provides NO accident/injury insurance for it's
own membership. Usually Scouting units buy their own at recharter
time. (Most often but not always through Mutual of Omaha.) It's not
specific to boating accidents/injuries, but does cover them. Some
councils have chosen to contract for council wide accident/injury
insurance coverage; and charge for this as part of your recharter fee,
some may provide it "free" as part of the council operating budget.
Check with your DE or CE for your Council's practice, and with your
skipper or committee chairman about unit insurance.
(3) "National" does provide general liability coverage for accidents and
injuries to non-members, or for damage to or loss of non-member
property. It protects members and leaders in the event of a lawsuit; I
don't know about claims procedures short of filing a suit. Your skipper
or committee chairman will have to check with your DE or CE to find out
the filing procedures and the limits of the coverage. (The limits are
confidential, for good reason. If anyone knows them, PLEASE don't post
them to the list.)
(4) The liability coverage in (3) includes incidents involving boats
used in Scouting/Venturing activities, if they are less than X feet in
length. Boats between X feet and Y feet *can* be covered by "national"
if your council has purchaced an additional "rider", which your council
will of course charge your unit for. If you want this coverage, you
must provide your council office with an annual inventory and inspection
report of the boats to be covered. Boats over Y feet are NOT covered by
"national" or your local council; but MUST be insured by the owner.
I *think* all of the above information is correct, but I just can't find
the reference for it at the moment. Here's where my memory gets a bit
hazy. I *think* the "X" length in (4) is either 26 or 30 feet, and the
"Y" length is either 50 or 65 feet; but I don't recall for sure.
If anyone on the list knows where this is documented, please provide the
reference to it. And if/when/where I'm mistaken, please provide the
correction (hopefully with a reference).
Mark Ritter - RitterME@stny.rr.com - Committee Member
Sea Scout Ship 90 - The S.S.S. North Star - New Milford PA
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