INSURANCE COVERAGE AND PROCEDURES

Our best insurance is safety awareness by the whole “Safety Team”, the National Organization, the Council, the Leader and the girl. Leaders should follow the guidelines in Safety-Wise, adhere to the Council policies and plan for safety with the girls and their parents.

However, even the best planning does not always prevent accidents. As a supplement to the individual’s own insurance, Girl Scouts of the U.S.A. provides activity accident insurance through Mutual of Omaha.

To meet the need expressed by leaders for insurance coverage for non-member volunteers, tagalongs and non-members, the council contracted with the Hartford Accident and Indemnity Company for an accident policy to be paid for by the troops. This policy also covers members on trips of over 48 hours. Trips over 48 hours are excluded by the Girl Scout Basic Insurance.

I. Girl Scout Activity Accident Insurance – Mutual of Omaha
A. Type of coverage, who is covered, and claim procedures are found
in brochure accompanying Leader’s Manual. Current brochure,
marked MC 7827 4-86 on back, should be read thoroughly by each
leader. Claim form should be kept with the troop’s first aid kit.
B. Cost – included in membership dues.

II. Tag-a-long Insurance – Hartford Accident & Indemnity Company
A. Type of Coverage
1. Accident Medical Expense
2. Accident Dental Expense (excepting repair or replacement
of dentures, braces, bridges or other artificial restoration)
3. Accidental Dismemberment/Accidental Death
B. Who’s Covered
1. Non-Member volunteers and tag-a-longs in council with
approved activities, when traveling in connection with
such such activities, except in private passenger automobiles.
2. Registered members participating in cultural trips and large
encampments lasting more than 48 hours (effective Oct. 1, 1979).
C. Procedures
1. Follow Council policy and procedures on trips.
2. Report tag-a-longs when giving notification to proper person
for your particular trip.
D. Claims
1. Should be made within twenty (20) days after occurrence or
commencement of loss.
2. Obtain claim form from Council office.
E. Cost
$5.00 per troop.

III. The Council carries a full range of insurance for the corporation.