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Group Equipment and Property Insurance Procedure


This procedure explains how Groups insure their equipment. It applies to Groups that have real property as well.

Scouts Canada provides third party general liability insurance coverage for all Scout properties and activities. This insurance does not cover equipment and other assets.

Our Procedure

  1. Groups must insure equipment, including trailers, for fire, theft, or damage.
  2. Real property, including buildings and contents of any description, must also be insured for fire, theft, and damage.
  3. The selection of an insurance broker is the responsibility of the Group.
  4. Groups are responsible for maintaining an inventory of equipment and building contents.
  5. The inventory records:
    1. Date of purchase
    2. Purchase price
    3. Location and condition
    4. Life expectancy
    5. Estimated replacement value
  6. The inventory of equipment must be submitted with the Group Annual Financial Statement.
  7. When Groups cannot secure equipment insurance, they establish a designated reserve fund to provide for the replacement of equipment. Designated reserve funds are reported in the Group Annual Financial Statement.
  8. To ensure that insurance coverage or replacement reserve funding is adequate, Groups must complete an annual insurance evaluation.

Related Policies & Standards


Related Procedures



Effective Date

March 2, 2019

[1] Support Centre key points

  • Don’t assume that equipment stored in your Community Partner’s facility or a Scouter’s garage is covered by the property owner’s insurance. Ask their insurance broker to verify coverage provided.
  • When you have insurance, it is a good practice to file a copy of your inventory with your insurance broker.
  • Don’t forget that there will be a deductible amount that you will need to pay.
  • When Groups have a reserve fund instead of insurance, the goal is to save 100% of the replacement value of equipment, especially if it is all stored in the same location. It likely won’t be practical to save the full amount right away.
  • Also needs detailed explanation of ownership of equipment trailers.

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