Insurance Overview | Volunteer Essentials | Girl Scouts of Southeastern Michigan

Girl Scouts' coverage is intended to help with out-of-pocket medical expenses that may not be covered by personal insurance.

Girl Scouts provides Activity Accident Insurance* to support Girl Scouts participating in Girl Scout-approved and supervised activities and events.

Activity Accident insurance is automatic upon membership registration and applies to all adult and youth members who may become injured during a Girl Scout-approved and supervised activity.

This coverage works like supplemental medical/health coverage and is intended to help with out-of-pocket medical expenses that may not be covered by personal insurance. Activity Accident insurance extends to non-members who are personally invited to participate in a Girl Scout-approved and supervised activity, whether an adult volunteer for the day or a friend of a Girl Scout who is joining along to try out Girl Scouting.

Activity Accident coverage applies to day events, overnight trips (including camp), and international travel. A summary of these coverage types for each category is provided below.

Activity Accident Insurance is underwritten by Mutual of Omaha.

Comparison Chart of the GSUSA Insurance Plans toggle arrow

The following is a high-level comparison of the coverage contained in the Master Policies issued to Girl Scouts of the USA and underwritten by United of Omaha Life Insurance Company.

For further details, please refer to the appropriate Plan Outline within this Guide. All information given is subject to the terms and conditions of the Master Policies. Any questions, call Special Risk Services at 1-800-524-2324.

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It is the volunteer's responsibility to arrange private auto insurance protection appropriate for their own circumstances. Girl Scouts of Southeastern Michigan will not reimburse for the cost of physical damage, deductibles or liability claims. Girl Scouts of Southeastern Michigan strongly recommends, but does not require, that vehicle owners carry collision and comprehensive coverage. Under Michigan no-fault insurance law, if an accident should occur with an allegation of negligence, the car owner's auto liability insurance provides coverage first, and then—if applicable—Girl Scouts of Southeastern Michigan's general liability insurance will take effect.

General Liability Insurance - Paid for by GSSEM toggle arrow

Girl Scouts of Southeastern Michigan's general liability insurance is different and separate from the various types of supplemental accident and health insurance coverage available through Mutual of Omaha.

General Liability coverage is intended to provide coverage in response to allegations of negligence or liability on the part of Girl Scouts of Southeastern Michigan, its employees, volunteers, officers, or directors, resulting in injury to people or damage to someone else's property. Coverage also extends to allegations of libel, slander, or false arrest.

Girl Scouts of Southeastern Michigan liability insurance covers all volunteers, whether or not they are registered adult Girl Scout members, as long as they are performing duties related to Girl Scouts and during a supervised activity in keeping with the Girl Scout Volunteer Essentials and Safety Activity Checkpoints, which are common-sense rules that everyone should follow.

If you need a copy of a Certificate of Liability for your meeting location or event, please contact the Finance Department at gssem-finance@gssem.org and complete the Certificate of Liability Insurance Request.

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	Class 1 Activity Accident	Class 2 Added Sickness	Class 3 International Travel and Inbound
Eligibility	All member and nonmember participants of Girl Scout sponsored and supervised daylong events and activities. (100% participation) Nonmember participants are those personally invited by a registered member (adult or youth) to participate in a Girl Scout activity as a guest or visitor.	All member and nonmember participants of Girl Scout sponsored and supervised overnight events, lasting one night or greater. (100% participation) Nonmember participants are those personally invited by a registered member (adult or youth) to participate in a Girl Scout activity as a guest or visitor	All member and nonmember participants of Girl Scout sponsored and supervised international travel or inbound international travel. (100% participation) Nonmember participants are those personally invited by a registered member (adult or youth) to participate in a Girl Scout activity as a guest or visitor
Coverage (any approved and supervised Girl Scout Activity)	Day events	Overnight events	International travel
Premium Rates	No cost to Girl Scout councils or troops.	No cost to Girl Scout councils or troops.	No cost to Girl Scout councils or troops.