From <@tcuavm.is.tcu.edu:owner-scouts-l@TCUBVM.IS.TCU.EDU> Fri Jan 16 10:10:00 1998 Return-Path: <@tcuavm.is.tcu.edu:owner-scouts-l@TCUBVM.IS.TCU.EDU> Received: from server1.capaccess.org (server1.CapAccess.org [207.91.115.5]) by cap1.CapAccess.org (8.6.12/8.6.10) with ESMTP id KAA17059; Fri, 16 Jan 1998 10:10:00 -0500 Received: from tcuavm.is.tcu.edu (TCUAVM.IS.TCU.EDU [138.237.128.148]) by server1.capaccess.org (AIX4.2/UCB 8.7/8.7) with SMTP id KAA30172; Fri, 16 Jan 1998 10:01:14 -0500 (EST) Received: from TCUBVM.IS.TCU.EDU by tcuavm.is.tcu.edu (IBM VM SMTP V2R2) with BSMTP id 4752; Fri, 16 Jan 98 08:46:23 CDT Received: from TCUBVM.IS.TCU.EDU (NJE origin LISTSERV@TCUBVM) by TCUBVM.IS.TCU.EDU (LMail V1.2a/1.8a) with BSMTP id 8766; Fri, 16 Jan 1998 08:47:04 -0500 Received: from TCUBVM.IS.TCU.EDU by TCUBVM.IS.TCU.EDU (LISTSERV release 1.8b) with NJE id 5106 for SCOUTS-L@TCUBVM.IS.TCU.EDU; Fri, 16 Jan 1998 08:46:12 -0500 Received: from TCUBVM (NJE origin SMTP@TCUBVM) by TCUBVM.IS.TCU.EDU (LMail V1.2a/1.8a) with BSMTP id 5105; Thu, 15 Jan 1998 16:51:30 -0500 Received: from spot.Colorado.EDU by tcubvm.is.tcu.edu (IBM VM SMTP V2R2) with TCP; Thu, 15 Jan 98 16:50:01 CDT Received: from localhost (amick@localhost) by spot.Colorado.EDU (8.8.5/8.8.4/CNS-4.1p) with SMTP id PAA04324; Thu, 15 Jan 1998 15:48:07 -0700 (MST) MIME-Version: 1.0 Content-Type: TEXT/PLAIN; charset=US-ASCII Message-ID: Date: Thu, 15 Jan 1998 15:48:06 -0700 Reply-To: Amick Robert Sender: Scouts-L Youth Group List From: Amick Robert Subject: Re: Insurance Question #2 X-To: Frank Porter To: Multiple recipients of list SCOUTS-L In-Reply-To: <3.0.1.16.19980115090117.4097ddc6@mail.infoave.net> Status: RO X-Status: The BSA provides general liability insurance coverage for all chartered Scouting units. This means that the chartered organization and the unit leaders, committee, and associated individuals are primarily insured for any losses up to about $20 million. It should be noted that this would compensate families or individuals in the event of a serious injury or death of a Scout or leader or other similar situation in which a lawsuit might be filed for damages resulting from negligence or accident. In order to offset the cost of the insurance premiums for such large coverage, each council pays a substantial sum to the national office which has to be recovered through insurance fees charged both to units and to activities and events. Thus the $1 per person per day charge is fairly standard among councils who support district/council events. Some councils have a responsibility for as much or more than $20,000 per year in insurance fees, which are pro-rated according to number of units/registered youth and adults, and facilities. Units are charged a $20 fee at rechartering time, which also goes to offset the cost of this insurance coverage. If you look at what it would cost to privately obtain similar coverage in the amounts provided by BSA, an individual Scout unit would have an astronomical insurance bill, so these costs are an excellent deal for all Scouting units and Councils. When using the facilities of another organization which requires a certificate of insurance, the Council can issue a certificate of insurance which indemnifies the hosting organization for up to $1 million as "additional other insured." We often take advantage of this service to use the facilities of our University and other area organizations when we host activities and events at their facilities. It would be virtually impossible to use the facilities otherwise since they cannot provide liability insurance coverage for us without exorbitant costs for short term liability insurance. Medical Insurance is handled differently by a group policy through Mutual of Omaha. Each unit has the option to obtain low cost medical insurance which is secondary to any existing coverage held by a Scout or his family, and primary if the Scout or family has no medical insurance. The limits have been raised recently and I believe now also provide for catastrophic coverage. Most camps require that units have this medical insurance in place or an equivalent carrier before allowing units to attend their venues. This insurance is very good and often pays for unusual costs not covered by regular medical policies such as air ambulance service from isolated areas. Each unit pays only a small fee per Scout and registered leader, probably around $1.80 per year, so the cost again is miniscule when compared to what it would cost to insure a unit privately through a local insurance carrier. Best wishes, Bob Amick, Explorer Advisor, High Adventure Explorer Post 72/SES 72, Boulder, CO; Longs Peak Council Exploring Training Chair On Thu, 15 Jan 1998, Frank Porter wrote: > ============================================= > As District Activity Chairman, I have been asked to produce a budget for > each event. - Good Idea > The DE told me to include $1.00 per night of camping for insurance expense. > I was later told that it is $1.00 per event. >