What is a Certificate of Insurance (COI)?
A COI is a form provided by the operator of a program site,
excluding sites owned by Girl Scouts of Southern Illinois (GSSI),
which identifies a specified amount of coverage the insured holds in
various categories, e.g. commercial general liability, automobile,
professional liability and workers compensation.
Why does GSSI require COI’s?
GSSI’s national Girl Scout insurance broker has advised us that it
is both appropriate and necessary to request and receive COI’s from
the owner/operators of facilities used by our girl members. GSSI is
obligated to ensure, to the extent reasonably possible, that any site
or facility we use for our girls is safe. One measure is the evidence
that the facility is adequately insured.
How to obtain a COI and what should be included on the COI.
At least 2 weeks prior to the event, contact the appropriate person
at the program site and request a COI. The COI must be issued so that
the Girl Scouts of Southern Illinois is a Holder of the certificate.
If you plan to use this vendor on a recurring basis, please request
that the COI be reissued automatically each year when the policy is
renewed. By doing so, the insurance company will automatically send an
updated COI to GSSI.
Who should COIs be submitted to?
COIs should be submitted to the Chief Financial Officer who will
review for accuracy and ensure the COI is added to the COI list online.
Where is the online list for organizations providing evidence of
acceptable insurance coverage located?
Click here for a full listing of Organizations Providing Acceptable Evidence of
How to find out if GSSI has issued a COI to a vendor or program provider?
A complete list of COI’s issued to vendors/program providers from
GSSI can be found on the Girl Scouts of Southern Illinois website
under Volunteer > Insurance > Listing of Organizations Providing
Acceptable Evidence of Insurance Coverage.
What if a vendor/program provider refuses to provide a COI?
These instances are handled on a case by case basis in consultation
with the Chief Financial Officer.
We do not need COI’s for political subdivisions of the State of
Illinois; licensed vendors with GSUSA.
There is a complete list of organizations for which GSSI does not
need a COI in the footnote at the end of the online COI list located
on the Girl Scouts of Southern Illinois website under Volunteer >
Insurance > Listing of Organizations Providing Acceptable Evidence
of Insurance Coverage.
How do I obtain Troop trip COI?
Troop trip COI’s can be obtained by contacting your Volunteer
A troop wants to go to a fast food restaurant that has a
playground. Do we need to request a COI?
For public venues i.e. McDonald’s, public library, museum, etc. if
the event is held in a public area no COI is needed. If held in a
private room a COI is required.
A troop is setting up a Fall Program/Cookie Program booth at a
local store. Do we need to request a COI?
If the booth is located outside of the outer-most door of the store,
no COI is required. If the booth is inside the outer-most door then we
need a COI from the store. If any booth at any commercial
establishment will be inside the store, then we need a COI from the
company at the corporate level.
What is required when a Girl Scout activity takes place in a
GSSI’s commercial general liability policy provides liability
coverage for leaders who hold meetings in their home, but GSSI’s
property/casualty insurance does not cover the leader’s home or
personal property, whether the home is owned, rented or leased. It is
the homeowner/lessor’s responsibility to make sure that there is
adequate property/casualty insurance coverage in place. Registered
members participating in Girl Scout activities in a home who are
injured are covered by the Girl Scout Activity Insurance provided as
part of the GSUSA membership registration fee. This insurance only
provides coverage for accidents.
Does GSSI’s insurance cover accidents in which the leader is
transporting girls in a privately owned vehicle?
The insurance on the vehicle is always primary, GSSI’s insurance is
secondary. The coverage on the vehicle must meet state minimum limits
in order for the vehicle to be used to transport girls.
Why does GSSI prefer to be named as an additional insured?
The term Additional Insured refers to the practice of the insured
entity naming Girl Scouts of Southern Illinois as additional insured.
This allows GSSI to be named on the vendor’s insurance policy in case
there is a claim resulting from an injury or accident to a program
participant for which the vendor and/or its personnel are responsible.
For high risk activities-mainly, high adventure, food related,
hay-rides, transportation- GSSI recommends that we be named as
additional insured. We are required to be named as additional insured
in instances where services are being performed on our site.
When is additional insurance coverage required?
Commercial bus transportation (more than 40 seats) requires
$10,000,000 of insurance coverage. The coverage can be a combination
of commercial general liability and umbrella coverage but not
automobile liability coverage.
Shopping malls typically have the additional insured listed for
$2,000,000 of coverage.
Acceptable amounts of coverage required on a COI.
GSSI requires a minimum total per occurrence limit of $1,000,000.
This can be in a Primary Commercial General OR a combination of a
Primary General Liability Policy and a Broad Umbrella liability
policy. If vendors are performing services at any of our facilities or
any facility that we rent, we require workers compensation coverage
per state statute. If the vendor is coming onto a
GSSI site or is providing transportation as part of a program, the
COI must also include at least $1,000,000 of automobile coverage.
When is Workers Compensation insurance required?
Workers compensation coverage is required in instances where the
vendor performs services on any GSSI site or any site that GSSI rents
for a program/event. GSSI CANNOT waive workers compensation coverage.
If a vendor’s employee is injured on our site, they can file a claim
against our workers compensation if the vendor does not carry workers
When is Professional Liability insurance required?
Professional liability insurance at a minimum of $500,000 is
required to cover consultants in instances where we would be relying
on their professional opinion, in case it proves to be incorrect.