This personal coverage would usually be homeowners, personal liability umbrella, or automobile liability. The B.S.A. program provides no coverage for intentional or criminal acts. By providing insurance coverage to volunteers on an excess basis, B.S.A. is able to purchase higher limits. Because of the higher limits, volunteers should not be placed in a position where their assets are jeopardized because of a negligence liability claim or lawsuit. Scouting volunteers should check with their personal insurance representative for further information.
Coverage is automatic and no action is needed to sign up.
Any notice of a lawsuit, potential lawsuit or serious injury must be brought to the attention of the Denver Area Council immediately. The Denver Area Council buys accident and sickness insurance coverage for every Scout and Scouterin the council. This coverage is excess insurance to any health or accident insurance that a family may already have in place. This coverage would be primary if no other insurance is available. This insurance covers all authorized program activities.