What is the difference between liability and indemnity insurance?
Liability insurance protects Scouts Canada in case of an accident in which we are proven negligent and become legally responsible to pay someone else for damages we have caused to persons or property. Indemnity insurance involves the protection of an individual’s physical person. In our case, the national indemnity insurance program provides coverage for death or dismemberment (i.e., loss of some eye part of the body), as well as dental expenses on natural teeth up to a limit of $1,000 a year. In each area upper limits exist. In case of death, for example, the upper limit is $2,500 for youth and $10,000 for Scouters. If someone loses a finger, the limit is $500. For loss of an arm at or above the elbow, or one leg at or above the knee, it is $7,500. For details, every Scout office has a small, free, informative yellow pamphlet called National Indemnity Insurance Coverage. Q: How does the dental part of our indemnity policy work? A: Dental coverage applies only to natural teeth. If Scou
