A New (?) Slant on Insurance

[OldGreyEagle]

I was nosing about in other scouting forums (!) and came across a thought/slant/position that raised a question. A person posted that there really is no such thing as BSA insurance and all insurnace policies were actually held by the respective Councils. If this is true, this could explin why there are so many stories about what insurance will and wont cover, as it may be different in different places. Is this a thought?

[Bob White]

That is not quite accurate. The Liability protection as it has been explained in our council is from national,. The Accident insurance in most councils is now purchased by the council from an approved carrier except for a few councils where it is still purchased by the unit through a carrier selected by the council by the unit.

 

Because not all insurance companies are licensed in every State the coverage is the same in every council but the carrier may differ.

 

BSA sets the criteria for the policies.

 

(This message has been edited by Bob White)

[FScouter]

The inside front cover of the Guide to Safe Scouting has a clear statement about liaibility insurance. I believe all councils use the same BSA G2SS.

[OldGreyEagle]

OK, this is what I found:

 

Accident and sickness insurance pays regardless of fault as long as the accident occurred during an official Scouting activity and the unit or council has purchased the coverage.

 

So the thing about no trained individuals, no insurance seems to be a fabrication. Now, of course we can discuss what an "official Scouting Activity" is

[Bob White]

No one in previous posts on this topic connected training to ACCIDENT insurance, only to liability protection.

 

Accident insurance is always in force on scout activities for BSA members and potential members being actively recruited.

 

BW