August 2018

The Boy Scouts are a great way to bring people into your church that may not be willing to come otherwise. Services like this are very important to opening the door with those in your community. If your church hosts a Boy Scout group, it’s likely that there’s a pile of camping equipment, badges, banners and more, but who should insure this property? The troop should have liability coverage, but this does not carry property insurance on the equipement. Who should cover these items will come down to if the troop is chartered or not.

How do I know if they are chartered?

If the Boy Scouts are just using your church as a safe space to meet, but you’re not sponsoring them, then the group is non-chartered. If the group is non-chartered, then the church’s policy is considered excess coverage and not primary coverage.

On the flip side, if you are sponsoring or putting on the group yourself, then you are chartering. A chartered Boy Scout group makes the church legally responsible for the troop’s property in the event of fire, theft, or loss. No worries though, getting the property insurance for this is actually a fairly simple process!

How do I insure Scout property?

There are a few action steps that you can take to insure scout property. An easy way to cover these materials is by adding them to the church’s total contents coverage. You can also purchase inland marine coverage, list any storage buildings used exclusively for Scout property as “other structures” on your church policy, and include any trailers used for the Scouts on your church’s auto policy.

We understand that your needs may vary from what was listed. At NCG Insurance, we are more than happy to walk you through how to make sure your Boy Scout Troop is covered. Feel free to contact us with any questions or request a quote today!