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Listed below are brief outlines of insurance coverages provided by or through the local council for BSA
and learning for Life volunteers.
Listed below are brief outlines of insurance coverages provided by or through the local council:
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 only available while the vehicle or watercraft is
in the actual use of a Scouting unit and being used for a Scouting purpose.
Coverage is more than $15 million for bodily injury and property damage.
Because of the high limits, volunteers should NOT be placed in a
position where their assets are jeopardized because of a negligence liability
claim or lawsuit.
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.
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. All vehicles used in travel outside the United States
must carry a liability insurance policy that complies with or exceeds the
requirements of that country. The council's automobile liability insurance is
excess of the insurance the owner of the auto carries, providing insurance
protection above the limits carried on the auto up to the council's $15 million
limit of coverage. A tour permit or a council short-term camping permit is
required when units travel overnight or outside their district. The council
should establish more specific guidelines setting forth when a local council
tour permit is required. 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.
A tour permit or a council short-term camping
permit is required when units travel overnight. Check with your local council
office for other requirements. National tour permits are required for all trips
of 500 miles or more one way and all tours outside the United States of
America. These permits must 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.
This accident and sickness insurance may be
provided for Cub Scouts, Boy Scouts, Venturers, LFL
participants, and adult volunteer leaders registered in the council, and covers
them for accidents and sickness (as well as accidental death and dismemberment)
while participating in any official Scouting activity. This coverage is applied
for by the council and is in effect on an annual basis. Additional information
on coverage, limits, etc., may be obtained by contacting the council office.
This accident and sickness insurance is provided
for all Cub Scouts, Boy Scouts, Venturers, LFL
participants, adult volunteer leaders, and all other persons registered and
attending official council events (e.g., summer camp, day camps, Wood Badge
courses, etc.), if purchased by the council. It is purchased for specific
events of the council and provides coverage for medical expenses for accident
and sickness and accidental death and dismemberment. Additional information on
coverage, limits, etc., may be obtained by contacting the council office.
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PLEASE REPORT ALL
SERIOUS INCIDENTS, ACCIDENTS AND/OR SICKNESS, OR IF A SUMMONS IS SERVED ON A
VOLUNTEER, TO THE COUNCIL SERVICE CENTER IMMEDIATELY. |
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Call phone number
________________ and speak to __________________________ if you have a
question related to insurance. |
Aviation
Aviation Explorer posts cannot operate aircraft
as transportation. Basic orientation flights of 25 miles or advanced
orientation flights of 50 miles are allowed provided they submit an approved
Flying Permit. For more information see the LFL/Aviation section of the LFL web
site: www.learning-for-life.org.
Fire and Emergency
Explorers may not be substituted for trained
personnel, can only be mobilized as a post with leadership and are not on call
individually. When riding, they must be seated with a seat belt (never on the
back of a fire truck standing) and cannot drive a department vehicle. Clear and
specific departmental guidelines must be written on what an Explorer may do at
the site of an emergency.
Emergency and Health Careers/B>
Explorers may ride in emergency vehicles, but
must be seated and wearing a seat belt. Specific guidelines must be established
as to what they are allowed to do at an emergency. For more information check
the Fire & Emergency or Health Careers web site.
Law Enforcement
Law Enforcement Explorers should never be placed
in a situation that would present the appearance of them being a legal law
enforcement officer. L/E Explorers should not drive a marked patrol vehicle
(unless in an approved competition), Explorers under 18 cannot ride along after
midnight. Offensive/Defensive equipment use or carrying is prohibited
(firearms, sprays, and handcuffs). All Ride Along programs must be certified.
Explorers are not to be used to perform
covert/undercover acts. If an individual participates in such acts he or she
does so as a private citizen, not as an Explorer. A Post to host events
involving other posts must have the approval of the local office. All shooting
activities including training, must be under the supervision of an NRA
certified instructor or the firearms instructor of a local, state, or federal
agency. For more information check with the Law Enforcement Exploring
section of the LFL web site.
Skilled Trades
Chainsaws and mechanical log splitters may be
authorized for use only by trained individuals over the age of 18 provided they
use proper protective gear and according to local laws. Mechanical and Power
Tools are to be used only under the supervision of a trained adult advisor and
only after training on proper operating techniques. For more information see
the Guide to Safe LFL Activities and the Skilled Trades section of the
LFL web site.
Note: For further information on Liability
Insurance contact your local LFL office. More information may be obtained by
logging on to the LFL web site at www.learning-for-life.org via the Exploring/School-based
programs. Each Exploring cluster also has vital information dealing with safety
and policy issues. ScoutNET is also a source for this
same information to all local LFL offices. The Guide to Safe Learning for
Life Activities, which is the source of the Local or National Outing
permits, may be viewed or downloaded via the LFL web site.
Last
Updated: 14 MAY 2002