INSURANCE INFORMATION FOR BSA VOLUNTEERS
Listed below are brief outlines ofinsurance coverages provided by or through the Great Salt Lake Council:
Liability Insurance
Comprehensive General Liability Insurance Thiscoverage provides primary general liability coverage for registeredvolunteer Scouters with respect to claims arising out of an official Scoutingactivity with the exception that the coverage is excess over any insurancewhich may be available to the volunteer for loss arising from the ownership,maintenance, or use of a motor vehicle or watercraft. This insurance is onlyavailable while the vehicle or watercraft is in the actual use of a Scoutingunit and being used for a Scouting purpose.
Theinsurance provided unregistered Scouting volunteers through the BSA generalliability insurance program is excess over any other insurance the volunteermight have to his or her benefit, usually a homeowner�s, personal liability, orauto liability policy.
There is no coverage for those whocommit intentional or criminal acts.
AutomobileLiability Insurance
All vehicles MUST be covered by aliability insurance policy. The amount of this coverage must meet or exceed theinsurance requirement of the state in which the vehicle is licensed. (It isrecommended, however, that coverage limits are at least $100,000 combinedsingle limit.) Any vehicle designed to carry 10 or more passengers is requiredto have limits of $500,000 single limit. In the case of rented vehicles therequirement of coverage limits can be met by combining the limits of personalcoverage carried by the driver with coverage carried by the owner of the rentedvehicle. All vehicles used in travel outside the United States must carry aliability insurance policy that complies with or exceeds the requirements ofthat country. A tour permit is required when units travel overnight or outsidethe council boundaries. National tourpermits are required for all trips of more than 500 miles or more one way andall tours outside the United States of America.
Eachlocal council establishes the parameters under which a local council tourpermit is required. These permits must list the driver�s names and limits ofautomobile liability insurance carried. Leaders should file local tour permitstwo weeks before the activity and national tour permits one month before theactivity.
Quality Standard: Responsible ownersof vehicles and boats should purchase their own liability insurance.
Unit Accident Insurance(Deseret Mutual)
(For units sponsored by the LDS Church)
Church Activity Medical Assistance (CAMA) is underwritten by Deseret Mutual (DMBA) and provides secondary accident coverage for BSA Scout units sponsored and staffed by local stakes, wards, and branches of the LDS Church in the United States. The benefits have similarities to the BSA unit accident plan offered by Health Special Risk, but are not the same. See the current DMBA CAMA handbook for information on the benefits, limitations and exclusions (visit http://www.dmba.com/churchactivity for more details). The LDS Church encourages Scouts, committee members, and adult Scouting leaders to properly register with BSA, obtain the required training and secure the proper tour permits for Scout-related activites. Persons injured while participating in a sponsored activity should notify their local ecclesiastical leader or contact Deseret Mutual at (801) 578-5600 or (800) 777-3622.
The reason for different accident policies for LDS and non-LDS sponsored units is a result of the Church of Jesus Christ of Latter-day Saints (LDS Church) practice of providing the same Deseret Mutual accident policy for all LDS Church activities, including Scouting.
