What is Girl Scout Councils General Liability?
Girl Scout Councils General Liability insurance helps protect councils, volunteers, and participants from certain claims of bodily injury or property damage occurring during official Girl Scout activities. It provides coverage for third-party claims that may arise due to accidents, injuries, or property damage involving members or the public during events, meetings, or programs.
Who Needs It
This type of insurance is essential for local Girl Scout councils, troop leaders, and volunteers who organize or supervise Girl Scout activities. Whether hosting a cookie booth, leading a camping trip, or running a community service event, general liability coverage offers financial protection against unforeseen incidents.
What It Typically Covers
Girl Scout Councils General Liability insurance usually includes coverage for:
- Third-party bodily injury (e.g., a visitor trips during a troop meeting)
- Property damage to others (e.g., damage to a community center during an event)
- Legal defense costs if a covered claim results in a lawsuit
- Medical payments for non-members injured during a covered activity
Common Exclusions and Limitations
While this coverage is broad, there are typical exclusions such as:
- Injuries to Girl Scout members themselves (often covered under a different policy)
- Intentional acts or criminal behavior
- Automobile-related incidents (requires separate auto liability coverage)
- Professional liability (e.g., errors from licensed services)
Always review your policy details to understand what is and isn’t covered.
Factors That Influence Cost
The cost of general liability insurance for Girl Scout Councils can depend on several factors:
- Number of members and volunteers
- Frequency and size of events
- Type of activities conducted
- Claims history
- Location and local legal environment
Proof of Insurance & Compliance
Many venues or partner organizations require proof of general liability insurance before allowing Girl Scout events on their premises. Councils may also need to meet state-specific insurance requirements. Keeping certificates of insurance (COIs) on file helps demonstrate compliance and readiness for activity approval.
How to Get a Quote
To protect your council and volunteers with general liability insurance, start by getting a custom quote tailored to your needs. Get a quote today.
Frequently Asked Questions
Does Girl Scout liability insurance cover volunteers?
Yes, general liability insurance often includes coverage for registered volunteers acting within the scope of Girl Scout activities.
Is a separate policy needed for auto-related incidents?
Yes, automobile liability is typically not covered under general liability and requires a separate policy.
Are injuries to Girl Scouts covered?
Injuries to members may be covered under accident insurance rather than general liability. Check with your insurance provider for details.
Do I need coverage for a one-day event?
Yes, even single events can benefit from liability insurance to protect against potential risks or claims.
How do I show proof of coverage for a venue?
Your insurance provider can issue a certificate of insurance (COI) listing the venue as an additional insured if needed.
Still have questions? Talk to a local insurance expert.