Scouts Canada maintains many insurance policies covering official scouting activities. They apply to youth members, volunteers, groups, councils, board members, committees, employees and any third parties attending scouting activities.
In order to be covered by insurance, activities must be conducted in accordance with Scouts Canada policies, procedures and other applicable standards.
Scouts Canada maintains a Commercial General Liability Policy, which offers coverage for the following:
Scouts Canada is insured for Commercial General Liability for up to $2 million per occurrence. See limits of liability for more information.
Commercial General Liability Insurance protects members from many issues that may arise during scouting activities, so they can conduct these activities with peace of mind. A member who is named in a statement of claim in relation to a bodily injury, property damage, personal injury claim or allegation made against Scouts Canada or the individual in question sustained during a Scouting activity, is covered.
This insurance protects members with legal defence costs and any compensatory damages that may be awarded, subject to the limits and conditions of the policy, transferring the risk to the insurance policy.
Please note, no policy provides indemnification or defence coverage to those individuals who commit intentional and/or criminal acts.
Scouts Canada’s insurance does not cover:
At all times, Scouts Canada’s Bylaws, Policies and Procedures must be followed. Failure to do so could result in loss of coverage.
Expenses resulting from a member’s injury sustained at a Scouting event, including dental expenses, physiotherapy, family and emergency transportation, medication expenses, rehabilitation etc. are covered. Please remember that all injuries must be reported immediately to Safe Scouting, following the Incident Management Standard.
Scouts Canada’s insurance coverage is a basic policy, intended to supplement personal insurance coverage for accidents that occur during scouting activities. This policy will cover up to 80% of incurred medical and dental expenses not covered by private insurance plans.
When medical and dental expenses are incurred, please follow the following procedures:
Note: Any travel outside of a home province or Canada requires travel insurance. Scouts Canada will not cover any out-of-province or out-of-country medical costs.
Loss of Work
If an incident has caused a loss of work, Scouts Canada is prepared to cover their volunteers for lost wages for up to 90 days after the incident. For volunteers who are employed on a full-time basis, Scouts Canada will cover 85% of lost earnings, to a maximum of $1000 per week. Volunteers employed on a part-time basis will be covered for 85% of lost earnings, to a maximum of $200 per week. In order to qualify for lost wage coverage, you must present a note from your employer stating how many hours were missed, the hourly pay rate and a copy of your last two pay stubs.
Different methods of travel have different insurance requirements. If travel is out of province, travel insurance is required to cover any potential medical costs not covered by provincial health insurance.
Make sure to follow Scouts Canada’s Transportation Standards to stay updated on all rules and regulations. And at all times, the Two-Scouter rule must be maintained.
For all vehicles, rented or owned, there must be an additional, primary liability insurance policy in place. The amount of this coverage must meet or exceed the insurance requirements of the province in which the vehicle is licensed. (It is recommended that coverage limits are at least $2,000,000 combined single limit.)
All vehicles used for travel outside Canada must carry a liability insurance policy that complies with or exceeds the requirements of that country.
For vehicles seating more than seven passengers, please see Large Passenger Vehicles, Buses and other Commercial Vehicles below.
Rental Vehicles Seven Passengers and Under
When renting vehicles, primary coverage can be met by combining the limits of personal automobile coverage carried by the driver, coverage provided by credit card companies and the loss damage waiver, if purchased from the rental car company.
Carefully investigate the limits of credit card rental vehicle insurance before depending on it. There may be limits on the size of vehicle and exclusions for transporting non-family members. The renter may be personally responsible for the damages while the credit card insurer investigates the claim. The rental vehicle company insurance could be more expensive, but it may be the simplest and most reliable option.
Any claims must be submitted first to the above insurance policies before submission to Scouts Canada’s policy.
Use of Personal Vehicles
Vehicles must be fully insured by the owner. All claims must be submitted first to the personal insurance policy.
2. Large Passenger Vehicles, Buses and other Commercial Vehicles
Vehicles seating more than seven passengers must be chartered from a third party and insured by that company. These vehicles are not covered by Scouts Canada’s insurance and cannot be driven by a Scouts Canada member.
At all times, all aircraft must be chartered from a third party and insured through that company. No member can pilot the aircraft.
All watercraft used in Scouting activities must have at least $1,000,000 in coverage. Boats 26 feet and over must have at least $2,000,000 in coverage. Additionally, all watercraft and operators of watercraft must be licensed in accordance with Coast Guard requirements.
Non-motorized watercraft such as canoes, kayaks, rafts, catamarans and sailboats (under 26 feet) used for scouting activities need not be insured.
Scouts Canada’s insurance covers watercraft up to 40 metres in length. Any watercraft longer than 40 metres requires the purchase of additional insurance.
Watercraft Owned by Scouts Canada
Watercraft owned by Scouts Canada must have a primary policy in the name of the property or group that owns it. This primary policy must be followed at all times and it dictates the coverage for that specific watercraft.
If for any reason, a watercraft owned by Scouts Canada is used by a third party, that party must purchase private liability insurance.
Privately Owned / Rented Watercraft
In the case of rented watercraft, insurance must be provided by the owner. Scouts Canada’s insurance is secondary coverage and is only General Liability Insurance. No coverage for hull damage is provided.
Scouts Canada will live up to its legal responsibility for anything that occurs during a Scouts Canada activity. It is important that both the property owner and volunteers do a walk-through of the property to note any restricted areas or potential issues. These issues and restrictions should be discussed with the group, and noted on agreement to avoid problems. If possible, any issues should be fixed and areas should be appropriately cordoned off prior to the activity. The property owner should have proper insurance in place and should ensure that it covers a not-for-profit organization. This will protect not only the property owner but Scouts Canada in case of an incident.
A signed agreement is required each time Scouts Canada uses a third-party property. All agreements must be signed by the applicable Operations Manager and property owner.
The steps and type of agreement required are determined by the nature and frequency of use of a given property as outlined below and in the Contracts Procedure, Certificate of Insurance Procedure, and Third Party Waivers, Indemnification and Hold-Harmless Procedure.
One-Time Use of Private Property
When using a private property only one time, we only require an agreement to be signed. A copy of the owner’s insurance is not required.
One-Time Use of an Organization’s Property
When using an organization’s property, we require an agreement to be signed, and the organization named as additionally insured on their property. The contract should be signed by an Operations Manager to ensure we are not taking on additional responsibilities beyond what we are legally required to cover.
Routine Use of Property
If use of the property is to become a routine occurrence, a more informative contract must be established, listing facilities to be used, times and dates. In this situation, we require a copy of the owner’s insurance, adding Scouts Canada as additionally insured.
Private Property use during Covid-19
Scouts Canada has created a Private Property - Reciprocal Indemnification Agreement outlining steps that must be taken if property is used during the Covid-19 pandemic.
This agreement states that the property owner will accept his or her legal responsibility and Scouts Canada will do the same. This protects Scouts Canada and its members as well as the property owner. It must be filled in each time there is an activity, to ensure that we have permission for that specific date and time.
If you are served with a claim, or know of a claim for any of the above policies:
Please contact firstname.lastname@example.org for further instructions immediately. Do not respond or proceed without instructions. Do not speak to anyone about the claim unless instructed to do so.
Date all correspondence when received and note the method of delivery.
Send all correspondence immediately via email to email@example.com.
The Business Services Department will put you in contact with a lawyer and advise you what to do. They will also handle the administrative aspects of the claim.
For more information, please see Legal Claims Procedure.