Insurance Information for Learning for Life Volunteers
Listed below are brief outlines of insurance coverage provided by or through the local Learning for Life office:
Comprehensive General Liability Insurance
This coverage provides primary protection for the Learning for Life office, all Learning for Life professionals and employees, and participating organizations of Explorer Posts and Learning for Life groups.
The general liability insurance provided for Learning for Life volunteers is excess over any other insurance the volunteer might have to his or her benefit, usually a homeowner's, personal liability, or auto liability policy. There is no coverage for those who commit intentional or criminal acts.
By providing insurance coverage to volunteers on an excess basis, we are able to purchase higher limits. Because of the high limits, volunteers should NOT be placed in a position where their assets are jeopardized because of a negligence liability claim or lawsuit arising out of an official Learning for Life activity.
Automobile Liability Insurance
All vehicles MUST be covered by a liability insurance policy. The amount of this coverage must meet or exceed the insurance requirement of the state in which the vehicle is licensed. (It is recommended, however, that coverage limits are at least $100,000). Any vehicle carrying 10 or more passengers is required to have limits of $100,000/$500,000/$100,000 or a $500,000 single limit. In the case of rented vehicles the coverage requirement can be met by combining the limits of personal coverage carried by the driver with coverage carried by the owner of the rented vehicle. All vehicles used in travel outside the United States must carry a liability insurance policy that complies with or exceeds the requirements of that country. The automobile liability insurance is excess of the insurance the owner of the auto carries.
An Learning for Life local outing permit found in the Safety First Learning for Life Guidelines is required when posts or groups travel overnight or outside their Learning for Life area. A national Learning for Life outing permit is required for all trips of more than 500 miles. These permits should list the drivers' names and limits of automobile liability insurance carried.
Travel to and from a regularly scheduled meeting is not considered part of an official Learning for Life activity and is not covered by the general liability insurance policy. However, transportation planned in advance, as part of the activity, and documented on the approved outing permit is covered.
Accident and Sickness Insurance
Explorer posts are encouraged to purchase an accident or accident and sickness policy if such a policy has not already been purchased by the local Learning for Life office.
There are approved unit accident insurance plans offered by many companies. To enroll in one be sure to tell them you are an Learning for Life Explorer post. For a list of potential companies, call your local office.
PLEASE REPORT ALL SERIOUS INCIDENTS, ACCIDENTS, AND/OR SICKNESS, OR IF A SUMMONS IS SERVED ON A VOLUNTEER, TO THE LEARNING FOR LIFE OFFICE IMMEDIATELY.
Common Questions Dealing With Liability Issues in Exploring
Note: For further information on liability insurance, contact your local Learning for Life office. More information may be obtained on the Learning for Life Web site at www.learning-for-life.org. Each Exploring cluster also has vital information dealing with safety and policy issues. Local offices may also find additional information on the intranet.
Copyright © 2002 by Learning for Life