What is Girl Scouts Insurance?
Girl Scouts insurance is specialized coverage designed to protect members, volunteers, and troop leaders during official Girl Scouts activities. Whether it’s a camping trip, cookie sale, or troop meeting, this insurance helps cover risks that may arise during events sponsored by the organization.
Who Needs It
This coverage is typically needed by:
- Troop leaders and co-leaders
- Parent volunteers and chaperones
- Girl Scouts participating in events outside regular meetings
- Local councils organizing regional or national activities
While some protection may be included through national or council policies, additional or event-specific coverage is often required for non-routine activities or overnight trips.
What It Typically Covers
Girl Scouts insurance usually includes:
- Accident medical coverage for injuries during approved activities
- Liability protection for troop leaders and volunteers
- Coverage for non-members participating in sanctioned events
- Limited property damage coverage connected to Girl Scouts events
Coverage terms can vary depending on the type and location of the event. Some activities may require additional forms or endorsements to be eligible.
Common Exclusions and Limitations
Like most insurance policies, Girl Scouts insurance comes with exclusions. These may include:
- Injuries from unauthorized or unsanctioned events
- Intentional acts or misconduct
- Use of personal vehicles without proper authorization
- Certain high-risk activities not approved by the council
Always check with your local council to confirm what is and isn’t covered for your troop’s activities.
Factors That Influence Cost
The cost of Girl Scouts insurance can depend on several factors:
- Type and duration of the event
- Number of participants
- Level of coverage needed (basic vs. supplemental)
- Whether the event includes non-members
Some councils may include basic coverage in their membership fees, while others may require separate policies for special events.
Proof of Insurance and Compliance
Many venues or public spaces require proof of insurance before allowing a Girl Scouts event to take place. Your council can typically provide a certificate of insurance (COI) upon request. Requirements vary by location and type of activity, so it’s important to plan ahead and confirm that your coverage meets local regulations.
How to Get a Quote
Need insurance for an upcoming Girl Scouts event or activity? Get a quote here to explore coverage options tailored to your troop’s needs.
Frequently Asked Questions
Is Girl Scouts insurance included with membership?
Basic accident insurance is often included, but coverage varies by council. Additional insurance may be needed for special events or non-member participation.
Does the insurance cover parent volunteers?
Yes, authorized parent volunteers are typically covered during official troop activities. Extra coverage may be necessary for overnight or high-risk events.
Can I use my own vehicle during troop activities?
Using personal vehicles is sometimes allowed, but coverage may be limited. Always check with your council’s guidelines before transporting scouts.
What do I need to provide to get a certificate of insurance?
You usually need to submit event details to your local council or insurance provider to receive a certificate of insurance.
Are non-Girl Scouts covered during events?
Special event insurance may be required to cover non-members attending Girl Scouts-sponsored activities. Check with your council for specific requirements.
Still have questions? Talk to a local insurance expert.