1. Baltimore Area Council Risk Management
Overview and Discussion for Districts
Charlie Skinner
BAC Risk Management Committee Chair
2016

2. Meeting Topics Notable Risk, Health & Safety Issues & Best Practices
How BSA and BAC Insurance Works
Automobile Risk Management
Resources

3. Notable Issues & Best Practices
What macro risks does BSA face?
Competition
Long term. Addressed by program strategy & quality.
Reputational Risk
Short to medium term. Addressed by risk management.
Best practices: Knowledge and adherence to BSA guidelines; YPT; Safe Scouting
“Enterprise Risk Management” looks beyond insurable risk and includes Health & Safety

4. How BSA and BAC Insurance Works
General Liability – 3rd Party Claims for Injury or Property Damage
BSA’s National Program provides registered volunteer Scouters primary coverage during official Scouting activities.
Activities must be consistent with BSA values, Charter and Bylaws, Rules and Regulations, the operations manuals, etc.
For unregistered Scouting volunteers, insurance is excess over any other available insurance (e.g., homeowner’s policy). 
Chartered Organizations covered
No indemnification or defense coverage for individuals who commit intentional and/or criminal acts. BSA does not have an insurance policy that provides defense for situations involving allegations of intentional and/or criminal acts.

5. How BSA and BAC Insurance Works
Automobile & Watercraft Liability
Auto or watercraft owner’s insurance is primary. For autos, owner must maintain at least the state minimum insurance limits required;
Maryland minimums: $30,000/$60,000 bodily injury and $15,000 property damage
$100,000 combined single limit minimum coverage recommended
$500,000 minimum coverage if 10 or more passengers.
The BSA liability program provides excess coverage for automobile or watercraft liability.
$1,000,000 owner coverage recommended
The excess insurance is available only while the vehicle or watercraft is in the actual use of a Scouting unit and being used for a Scouting purpose.
Damage to the owner’s auto or watercraft is the owner’s responsibility.

6. How BSA and BAC Insurance Works
Property
BAC insures Council property, primarily consisting of Broad Creek Scout Camp and Shapiro HQ in Baltimore.
Volunteers and scouts are responsible for their own property (gear, etc.). Confirm coverage with your Homeowner’s Insurance provider if unsure.
Accident & Sickness
$2,500 to $20,000 Coverage, depending on the type of accidental injury.
Up to $7,500 medical expense for covered sicknesses; $15,000 for covered accidents.
Coverage is excess over any other available coverage

7. Automobile Risk Management
One of BSA’s greatest risks!
Challenges include: other drivers, road conditions, weather, vehicle condition.
Be sure vehicles have emergency roadside kits on board.
Note: Use of 15-passenger pre-2005 vans, regardless of ownership, are no longer allowed in Scouting or later 15-passenger vans may be used if equipped with Electronic Stability Control and seat belts for all passengers and the driver. A Commercial Driver’s License is also required.
12-passenger vans can be a good alternative option

8. Automobile Risk Management
The Driver’s Pledge
I will not text or talk on my phone while I am driving. Texting and talking take my eyes off the road, hands off the  steering wheel, and my mind off what I am doing.
I will put my phone in my backpack or in the glove box before I get behind the wheel. I will only check it when I have safely parked the vehicle.
I will not become distracted by things going on inside and outside the vehicle. I will concentrate on my driving and my travel plans.
I will not drive when I feel fatigued. I realize that when I am fatigued, I process information more slowly and less accurately and this impairs my ability to react in time to avoid accidents.
I will arrange my schedule so that several days before a Boy Scout "driving trip," I will get a good night's sleep every night to avoid the cumulative effect of not getting enough sleep.
I will make trip preparations far enough in advance so that last-minute preparations don't interfere with my rest.
I will make travel plans and drive only during the part of the day when I know I will be alert.
I will be smart about engaging in physical activities during Scouting outings and will make sure that I will be ready to drive alertly.

9. BAC Risk Management Resources
BAC Risk Management Committee
Chair, Charlie Skinner
Scout Executive, Brian Steger
Deputy Scout Exec. & COO, Manny Fonseca
Area Scouter articles
BAC website:
Insurance and Scouting Safely under Resources tab

10. BSA Resources Topics on: www.scouting.org Youth Protection
Scouting Safely (includes Guide to Safe Scouting and much more)

11. Preparing Youth for Life
CSE James West (c. 1940)
“So many things are the result of lack of careful planning, lack of careful thinking through, thoughtlessness. And the health and safety practices of Scouting, we hope, are going to help boys to plan more definitely to avoid accident and illness, and to prepare themselves in a positive way to face life.”