On my honor I will do my best
To do my duty to God and my country
and to obey the Scout Law;
To help other people at all times;
To keep myself physically strong, mentally awake, and morally straight.
Safe Rides Venturing FAQ
What and who does the BSA liability insurance cover?
Limits of liability coverage exceed $15,000,000. This applies to our general liability and non-owned automobile liability insurance. The general liability would cover all operations other than vehicle use, such as command headquarters, crew meetings or crew activities while outside the vehicle. The non-owned auto liability will extend to those loaning their vehicles or using them in the Safe Rides operation. BSA insurance is excess of any insurance that a crew advisor or command crew supervisor may have as on the owner and/or as the operator of the vehicle being used for Safe-Rides. We are not responsible for physical damage to the vehicle being operated. Those named insured on BSA‘s general liability insurance policy include the local Scout council, chartering organization, and volunteers.
What limits should be carried on cars driven in the Safe-Rides program?
Every person who drives a car in connection with Safe-Rides Venturing should carry a minimum of $300,000 combined single limit of automobile liability on their vehicle.
Does BSA's insurance policy protect the teenager while he/she is driving and to what extent?
No, Scout youth are not insured, but the owner of a vehicle donated for use in the safe-ride program is an additional insured. The insurance on the car pays first, then the insurance on the driver. BSA liability insurance is excess over those limits of coverage.
Does it compliment or replace any Property Damage Liability?
It does neither. BSA is not responsible for physical damage to the vehicle being used for Safe-Rides.
What is the extent of coverage if the crew transports a client's vehicle?
The crew should never transport the client's vehicle. BSA is not responsible for either liability or property damage for the client's vehicle. This would also involve splitting the crew and this one-on-one situation could be dangerous; neither should the crew ever transport over one client at a time. If more than one client wants transportation, the crew should contact the command headquarter for additional transportation.
Must the vehicle pass any safety inspection?
The vehicle must meet state requirements and have a current vehicle inspection sticker.
Is coverage affected by use or non-use of seat belts?
No, but Scouting regulations require that there be one seat per passenger in a car and that seat belts be worn. The program may be disbanded if rules and regulations are not followed.
What if a teen member or client is injured in a physical altercation?
If either was injured and an insured on BSA's liability policy is legally responsible our coverage would respond. Youth participants are not insureds and BSA's general liability policy would not respond if a youth participant was sued or a claim was made against them.
Is the sponsor in any way liable?
In any liability situation, the chartering organization could be liable. However, BSA's insurance covers on a primary basis the chartering organization as a result of a BSA activity.
What is the coverage if the cars which are used are owned by a business (car dealership, rental cars, etc.)?
It is the responsibility of the owner of the vehicle to insure their vehicle for liability exposures and their insurance applies first. BSA's policy will cover above their limits.
If a government agency or business provides financial support for a Safe-Rides crew, do they have any liability?
If they are not the chartered organization, but only providing moneys for the operation of the program, they should have no liability exposure. It would be much the same as giving $100 to the United Way for its programs.
To what extent is the client (a non-Venturer) covered?
There is no coverage extended to the clients (a BSA volunteer or the participating organization) for any of their actions; but should the client be injured as a result of the Safe-Rides program and were liable, then either the general liability or non-owned auto liability would apply above whoever has primary coverage.