Commentary » Leadership In Youth Ministry

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• Water Craft and Non-Automobile Accidents
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Water Craft and Non-Automobile Accidents

Last Revised on January 13, 2012

Water Craft

Check that the vessel has a current Certificate of Inspection and that it is being operated by qualified personnel. Do not use uninsured watercraft.

All comprehensive liability policies contain exclusions for aircraft and watercraft. Check terms for legal liabilities before signing contracts. Additional insurance is required for chartering boats. When traveling long distances, it is important to make regular stops. Eight hours of daylight driving is a recommended maximum.

Additional Transportation Safety Procedures

• An itinerary is left with the pastor, all parents and at the parish offices
• Participants (youth and adult) are instructed in emergency procedures
• Pre-arranged meeting locations are set if two or more vehicles are involved.

Non-automobile Accidents

If there is injury or property damage that does not involve the use of automobiles, the diocesan insurance provides comprehensive general liability coverage that will pay for claims that do not arise out of the negligence of the diocese or its agents. It does not pay for injuries that are not caused by negligence. An example of this would be the situation where a young person is skiing, falls, and breaks a leg - with no fault resting with anyone other than the skier. The diocesan insurance program would not pay any type of claim arising from that. It would be the skier or the skier’s parents who would have to pay the bills for medical treatment, etc. If there is negligence with the diocesan agent that results in injury, the diocesan insurance would handle the claim. The only problem that can arise here is a sometimes "gray area" as to who is an "agent" of the diocese. That designation of "agent' could only be resolved when the facts of a given situation are explored.

If a participant requires professional medical care following an injury or illness that results from participating in a parish youth ministry or diocesan CYM event or trip, Form I (Injury/Incident Form) must be completed and submitted to CYM no later than thirty (30) days following the injury. Catholic Youth Ministry offers supplemental insurance to help families pay some expenses related to CYM (including CYM Athletics) injuries. Claims will be denied if Form I is not received within thirty (30) days of the injury.

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