Insurance Information

Listed below are brief outlines of insurance coverages provided by or through the local Learning for Life (LFL) office:

Comprehensive General Liability Insurance

This coverage provides protection for the LFL office, all LFL professionals and employees, Explorer posts or LFL groups, participating organizations, and volunteer adult participants with respect to claims arising in the performance of their duties in LFL.

The general liability insurance provided LFL volunteers is excess over any other insurance the volunteer might have to his or her benefit, usually a homeowners, personal liability, or auto liability policy. There is no coverage for those who commit intentional or criminal acts.

By providing insurance coverage to volunteers on an excess basis, we are able to purchase higher limits. Because of the high limits, volunteers should NOT be placed in a position where their assets are jeopardized because of a negligence liability claim or lawsuit arising out of an official LFL activity.

Automobile Liability Insurance

All vehicles MUST be covered by a liability insurance policy. The amount of this coverage must meet or exceed the insurance requirement of the state in which the vehicle is licensed. (It is recommended, however, that coverage limits are at least $50,000/$100,000/$50,000.) Any vehicle carrying 10 or more passengers is required to have limits of $100,000/$500,000/$100,000 or $500,000 single limit. In the case of rented vehicles the requirement of coverage limits can be met by combining the limits of personal coverage carried by the driver with coverage carried by the owner of the rented vehicle. All vehicles used in travel outside the United States must carry a liability insurance policy that complies with or exceeds the requirements of that country. The LFL office's automobile liability insurance is excess of the insurance the owner of the auto carries, providing insurance protection above the limits carried on the auto up to the LFL $15 million limit of coverage. A LFL Local Outing Permit, found in the Safety First Learning for Life Guidelines, is required when posts or groups travel overnight or outside their LFL area. A National LFL Outing Permit is required for all trips more than 500 miles. These permits should list the drivers' names and limits of automobile liability insurance carried.

Travel to and from a regularly scheduled meeting is not considered part of an official LFL activity and is not covered by the general liability insurance policy. However, transportation that is planned in advance as part of the activity is covered.

Accident and Sickness Insurance

Explorer posts are encouraged to purchase an accident or accident and sickness policy if such a policy has not already been purchased by the local LFL office.

There is an approved unit accident insurance plan offered by Health Special Risk. To enroll, contact Health Special Risk, Inc., at (866) 726-8870. Be sure to tell them that you are a LFL Explorer post.

PLEASE REPORT ALL SERIOUS INCIDENTS, ACCIDENTS, AND/OR SICKNESS, OR IF A SUMMONS IS SERVED ON A VOLUNTEER, TO THE LFL OFFICE IMMEDIATELY.

Guidelines for Automobile Transportation

Here are guidelines from the Safety First Learning for Life Guidelines for automobile transportation:

  1. Seat belts are required for all occupants.
  2. All drivers must have a valid driver's license that has not been suspended or revoked for any reason. If the vehicle to be used is designed to carry more than 15 people, including the driver (more than 10 people including the driver in California), the driver must have a commercial driver's license.
  3. An adult leader (at least 21 years of age) must be in charge and accompany the group.
  4. The driver must be currently licensed and at least 18 years of age. For an Explorer event under the leadership of an adult (at least 21 years of age) tour leader, a youth member at least 16 years of age may be a driver, subject to the following conditions:
  5. Passenger cars and station wagons may be used for transporting passengers, but passengers should not ride on the rear deck of station wagons.
  6. Trucks may not be used for transporting passengers except in the cab.
  7. All driving except short trips should be done in the daylight.
  8. All vehicles must be covered by automobile liability insurance with limits that meet or exceed requirements of the state in which the vehicle is licensed. It is recommended that coverage limits be at least $50,000/$100,000/$50,000. Any vehicle designed to carry 10 or more passengers is required to have limits of $100,000/$500,000/$100,000.
  9. Do not exceed the speed limit.
  10. Do not travel in convoy.
  11. Driving time is limited to a maximum of 10 hours and must be interrupted by frequent rest, food, and recreation stops. If there is only one driver, the driving time should be reduced, and stops should be made more frequently.

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