[newheart]

Provide primary general liability insurance to cover the chartered organization and its board, officers, chartered organization representative, and employees against all personal liability judgments. This insurance includes attorney's fees and court costs as well as any judgment brought against the individual or organization. Unit leaders are covered in excess of any personal coverage they might have, or if there is no personal coverage, the BSA insurance immediately picks them up on a primary basis.

Rip is right. That language comes straight out of BSA materials for all Chartered Organizations. In fact the one I have goes even farther and covers vehicles of the sponsoring organization.

[Ripliancum]

We just make our scouts hike everywhere. ;-)