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Insurance Coverage for Volunteer |
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Insurance Coverage for Volunteers MT. BAKER COUNCIL Boy Scouts of America COMPREHENSIVE GENERAL LIABILITY INSURANCE This coverage provides primary general liability coverage for registered volunteer Scouters with respect to claims arising out of an official Scouting activity with the exception that the coverage is excess over any insurance which may be available to the volunteer for loss arising from the ownership, maintenance, or use of a motor vehicle or watercraft. This insurance is also available while the vehicle or watercraft is in the actual use of a Scouting unit and being used for a Scouting purpose. The insurance provided unregistered Scouting volunteers through the BSA general liability insurance program is excess over any other insurance the volunteer might have to his or her benefit, usually a homeowner’s, personal liability, or auto liability policy. There is no coverage for those who commit intentional or criminal acts. UNIT ACCIDENT INSURANCE PLAN (HEALTH SPECIAL RISK, INC.) Unit accident insurance is available through the council; information is sent to units each year in their charter renewal kits, and the unit must apply for the coverage. This plan provides coverage for accident medical expenses and accidental death and dismemberment while participating in official Scouting activity, including going to and from meetings. New members are automatically covered under the plan until the renewal date. Non-Scouts attending scheduled activities (including group travel to and from such activities) for the purpose of being encouraged to participate in Scouting are also automatically covered. However, the plan does not cover parents, siblings, or other guests. INSURANCE COVERAGE AVAILABLE TO NON-OWNED WATERCRAFTS/BOATS USED IN SCOUTING ACTIVITIES Only general liability coverage is available; no hull damage insurance is provided. It is our preference that the owners carry their own liability coverage. BSA’s general liability insurance only covers vessels owned by others while they are being used in an official Scouting activity and only while in the navigational limits of the insurance policy. Page Two (2) Insurance Coverage VOLUNTEER AUTOMOBILE LIABILITY INSURANCE All vehicles MUST be covered by a liability insurance policy. The amount of this coverage must meet or exceed the insurance requirement of the state in which the vehicle is licensed. It is recommended, however, that coverage limits are at least $50,000/$100,000/$50,000. Any vehicle carrying 10 or more passengers is required to have limits of $100,000/$500,000/$100,000 or $500,000 single limit. In the case of rented vehicles the requirement of coverage limits can be met by combining the limits of personal coverage carried by the driver with coverage carried by the owner of the rented vehicle. A tour permit is required when units travel overnight or outside their district. National tour permits are required for all trips of more than 500 miles or more one way and all tours outside the United States of America. These permits should list the drivers’ names and limits of automobile liability insurance carried. Leaders should file local tour permits two weeks before the activity and national tour permits one month before the activity. PLEASE REPORT ALL SERIOUS INCIDENTS, ACCIDENTS AND/OR SICKNESS, OR IF A SUMMONS IS SERVED ON A VOLUNTEER, TO THE COUNCIL SERVICE CENTER IMMEDIATELY. Duane Rhodes Scout Executive (425) 338-0380 x 101 |
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