Opinion ID: 2301478
Heading Depth: 3
Heading Rank: 1

Heading: The Salvation Army Trust

Text: [¶ 14] Coulombe contends that The Salvation Army is insured by The Salvation Army Trust, which is operated by a risk manager in consultation with a third party administrator, Chesterfield Services, and into which the Portland chapter contributes a $10,000 premium. [¶ 15] The Trust cannot be described as insurance. At most, it resembles self-insurance, which does not result in a waiver of charitable immunity. See Doucette v. City of Lewiston, 1997 ME 157, ¶ 9, 697 A.2d 1292, 1295 (citing Maynard v. Commissioner of Corrections, 681 A.2d 19 (Me.1996)) (stating that self-insurance does not waive governmental immunity); Ponder v. Fulton-DeKalb Hosp. Auth., 256 Ga. 833, 353 S.E.2d 515, 517 (1987) (holding that self-insurance does not waive charitable immunity because there is no distribution of risk to another and the depletion of the self-insurance fund would invade charitable assets). The Salvation Army's designation that some of its assets are in a trust does not, therefore, result in a waiver of immunity.