Since we are finishing rechartering, insurance is often fresh in everyone’s minds. What is boy scout insurance? Who pays? Who manages? How do we make claims?
Each member of the BSA, youth or adult, pays $1.00 per member to the local council. In our case, we pay the Crossroads of America Council.
As we discovered in the last several days of rechartering, this fee is not included in the national internet rechartering system. Those only cover national dues. The local insurance premium is added on, by summing up the Paid Adult, Paid Youth, and Unpaid Tiger Cub Partners (if the partner is not already a BSA member) count. These premiums are due and payable alongside the national dues.
If an accident occurs or a lawsuit is threatened, the unit key 3 need to immediately file a claim with the local council office using the form in the appendix of the Guide to Safe Scouting, which is like the BSA’s insurance policy terms and conditions document.
These claim forms should be used whenever there is a emergency room visit or other involvement of professional or emergency services personnel.
To learn more, read more in the Guide to Safe Scouting.
From the article, a couple points interested me:
- Locks do not prevent theft. They slow thieves down and make their criminal activities more obvious. This means that locks are most effective where witnesses or cameras can observe the trailer.
- Multiple theft deterrence methods or locks is desirable to make the theft more obvious and the time to complete the theft take longer.
- Painting the unit number on the roof is a great way to help recover the trailer if it is lost or attempted to be hidden. Many thieves don’t think to camouflage the roof during or after the theft.
- A logo-painted (not one with pretty graphic wraps) trailer is worth less on the black market than an unpainted trailer. It requires more work to disguise it.
- Using self-storage areas is a great way to deter theft, even if it is more expensive and less convenient to the meeting location.
- Insurance is not a simple solution and may require the cooperation of your chartered organization, including having your equipment “scheduled” on the business-owner’s premises (“BOP”) insurance coverage. (Scheduling is just the process of providing the insurance agent with a list of specific property of value that the insured wishes to include on the insurance policy. This is very sensitive to the type of property being scheduled and the nature of the underlying BOP policy terms.)
Thank you to our Order of the Arrow Advisor John Ruggles for the links to these article.