Activity Accident Insurance and Reports
Activity Accident Insurance for Troop Activities: All girls and
adults who are registered members of Girl Scouts of the USA are
covered by the Basic Girl Scout Activity Plan for all approved
Girl Scout activates except for over nights of more than two nights.
This insurance is designed to help meet the cost of medical care for
accidents occurring during the normal supervised activities of the
girl Scouts program. It should not diminish the need for family
health insurance or replace the benefits available under a family
medical plan. Girl Scouts insurance pay for the first $130 of
covered expenses. Any subsequently bills for the same accident
will be payable by this coverage only for an expense which is not
compensable under another insurance policy or service contract or not
covered under a contract with a health maintenance organization,
preferred provider organization or prepaid health care program.
Optional Plans are available for purchase through the Council.
Council policy requires the purchase of this additional coverage for a
troop trip of more than two nights.
The coverage includes:
- Accident insurance for non-member participants (except
tagalongs) in any approved Girl Scout activity OR for accident only
coverage of member participants for a troop trip of more than two
nights – Plan 2: $0.11/day/person. This plan is recommended
to cover non-members attending troop activities or Service Unit,
regional or Council events.
- Accident and illness coverage
for members/non-members (except tagalongs) – Plan 3E: $0.29/per
day/person. This plan is recommended for a trip of more than two
nights OR if your troop will be far enough away from home that a
parent cannot be called to meet you at the doctor’s office or
hospital in an emergency.
See the Activity Accident Insurance brochure in the Troop
Registration packet, or request one from your local council office,
for additional details on coverage.
If you have questions about coverage, or if you need to purchase
Optional Plan insurance, call any council office.
Troop Insurance Packet
Each troop is provided with current information on the insurance
coverage and forms for filing insurance claims. A new leader receives
the insurance packet in the New Member Orientation Packet. In the
packet are follow-up information pieces to give to the parent of the
injured girl or to the injured adult, in case an insurance claim is
filed. This will help them to work with the council office to expedite
the claim.
Additional insurance forms are available at any council office.
Accident/Incident Report
The
Accident Incident Report form is a Girl
Scouts of Texas Oklahoma Plains, Inc. risk management tool used to
report any accident/incident, whether it is physical, mental or
emotional in nature. The intent of this form is to document
circumstances, witnesses and any actions in situations that result in
or nearly result in injury or danger to individuals or are potentially
harmful to girl and adult members. This form is not intended to
establish blame; it is for reporting facts. This form may be submitted
by any adult associated with GS-TOP. All Accident/ Incident Reports
should be submitted to the designated staff person responsible for the
activity where the accident or incident occurred. Staff members will
take appropriate action. Accident/ Incident Report forms are available
at any council office.
Events/Meeting Potential Liability Insurance Needs
Some sites or vendors may require your troop to provide a
Certificate of Insurance as evidence that the council has
liability insurance coverage. If required, call Tim Zimmerer,
Controller, at 817-735-5309.
Emergency Plan for Girl Scout Troops
“BE PREPARED,” the Girl Scout motto, is the key to handling
emergencies if they arise. Whenever an outing with your troop is
planned, be sure to take with you:
- Signed parent permission forms which include where parents can
be reached in case of emergency
- Phone number for troop’s
emergency contact back home
- Telephone numbers for local
police, fire department, and ambulance service. Where available,
call 911.
- Directions to the nearest hospital or medical
facility
- Girl Scout insurance forms and Accident/Incident
Report forms
- The wallet-size “Emergency Plan for Girl Scout
Troops”. Check in the VTK or website forms. Remember to check Safety
Activity Checkpoints for suggestions concerning the specific
activity planned. This document is in the Volunteer Tool Kit under
Resources.
Serious Accident, Emergency, or Fatality Procedures
In the event of a serious accident, emergency, or fatality, the
person in charge at the scene needs to:
- Give priority attention to providing all possible care for the
injured. Do not move victim unless it is necessary for safety
reasons.
- Secure ambulance, doctor, police and others as
appropriate.
- While help is being summoned, take care of
injuries requiring immediate first aid.
- Notify the troop’s
emergency contact who will notify all parents.
- In the event
of a fatality, always notify police. Retain a responsible adult at
the scene of the accident or emergency. See that no disturbance of
victim or surroundings is permitted until police have assumed
authority.
- Call the local Service Unit Manager to report a
minor emergency or occurrence and to secure additional
assistance.
- In the case of an automobile accident of any
kind, be sure to notify police to obtain a police report even if
there are no injuries. This is also important for any rental
vehicles.
- Call the council’s emergency phone number to secure
assistance from the council only if reporting a very serious
accident or fatality.
Girl Scouts of Texas Oklahoma Plains Emergency Cell Phone: 682-551-0281
DO NOT MAKE ANY STATEMENTS to media representatives. Assure
them that they will get current information by calling the council.
Do not sign any statements or accident reports except by request from:
- A Police Officer
- Personal insurance company or
attorney
- Girl Scout insurance company or attorney
Frequently Asked Questions
about Insurance
Q: What is the purpose of the plan?
A: To assure that every registered Girl Scout is automatically
covered by accident insurance during normal supervised program
activities (except those events lasting more than two nights).
Coverage is automatic for all girls and adults upon registration in
the Girl Scout Movement.
Q: If a member is injured while individually practicing skills for
a badge or learning a sport, such as individual roller skating or
horseback riding, is she covered?
A: No. These are individual activities conducted outside of the
troop and not under the direct supervision of troop leadership.
Q: Are fund-raising drives and money-earning events covered?
A: Yes, if the activities are Council approved and properly supervised.
Q: Is traveling to and from a troop meeting covered?
A: Yes. The insurance includes travel directly to and from troop meetings.
Q: Are program events (including camping) of two consecutive nights
or less covered by the Basic Plan?
A: Yes. All registered members participating in approved, supervised
program/camping events lasting two nights or less are covered.
Q: Is it possible to insure an event that lasts four or five nights?
A: Yes, an Optional Plan of activity insurance would need to be
arranged through GS-TOP to cover the entire event. Contact your area
office, describe the event, indicate inclusive dates, and the number
of girls and adults participating.
Q: Would coverage be provided for a member who became ill during an
approved activity?
A: No. Sickness is not covered. Only medical expense arising out of
an accident during an approved, supervised activity is covered.
However, sickness caused by an accident such as a poisonous snake or
insect bite, would be covered.
Q: Are non-registered parents, troop consultants or other persons
assisting the leader covered?
A: No. Only registered girl and adult members are covered.
Q: Are “tagalongs” (brothers, sisters, friends) covered?
A: No. For example, a registered Girl Scout Daisy tagging along with
the parent who is leading a Cadette troop activity has no coverage for
the Cadette activity. Conversely, if the “tagalong” is a registered
Girl Scout member of a different troop and is participating in the
event, there is coverage. Additionally, a registered Girl Scout
Cadette assisting (i.e. participating) at a Daisy meeting (activity)
also has coverage.
