Does GSEM’s insurance cover accidents in which a volunteer is transporting girls in a privately-owned vehicle?
The insurance on the vehicle is always primary. GSEM’s insurance is secondary. The vehicle must be registered and the insurance coverage on the vehicle must meet state minimum requirements for the vehicle to be used to transport girls. The driver must be a registered, background-checked and approved adult volunteer at least 21 years old who has a good driving record and valid driver’s license.
Adult-to-girl ratios must be followed when transporting girls. If a group is traveling in one vehicle, there must be at least two unrelated approved adult volunteers in the vehicle, one of whom is female. If a group is traveling in more than one vehicle, the entire group must consist of at least two unrelated approved adult volunteers, one of whom is female, and care should be taken so that a single vehicle is not separated from the group for an extended length of time. State laws must be followed. The use of 15-passenger vans is prohibited.
What is required when a Girl Scout activity takes place at a private residence?
GSEM’s commercial general liability policy provides liability coverage for volunteers who hold meetings in their homes, but GSEM’s property/casualty insurance does not cover a volunteer’s home or personal property, whether the home is owned, rented or leased. It is the homeowner’s/renter’s/lessor’s responsibility to ensure there is adequate property/casualty insurance coverage in place. Registered members who are injured while participating in an approved Girl Scout activity at a residence are covered by Girl Scout activity insurance provided as part of the GSUSA membership registration fee. This insurance only provides coverage for accidents.
Adult-to-girl ratios must be followed, and girls must be supervised during all Girl Scout activities. As with all locations used for Girl Scout activities, ensure the residence is appropriately insured, safe, clean and large enough to allow for the participation of the whole group in all planned activities, has access to restrooms and can accommodate girls and parents with allergies and/or disabilities.