Does GSEM’s insurance cover accidents in which a volunteer is
transporting girls in a privately-owned vehicle?
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
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.