Camp Insurance

Camps are a great opportunity for kids and adults alike to get out of the house, explore, learn, and have fun. But as the camp owner or director, you have to consider the risks that come along with the trade. Camp owners can face lawsuits, property damage, theft, and other disasters that can lead to hefty losses. That's why having the right camp insurance is critical.

Luckily, an independent insurance agent can help you get set up with the right kind of camp insurance. They'll get your specific camp matched to all the coverage it needs. Until then, here's a breakdown of camp insurance, what it covers, why it's necessary, and more.

Top Liability Risks for Camps

Unfortunately, camps aren't immune to many different kinds of lawsuits. No matter what kind of camp you run, you likely have the following major liability risks to consider:

• Premises liability: Camp owners have a responsibility to review their activities and inspect their grounds and facilities to reduce the risk of injuries to the campers, staff, and visitors. 
• Failure to perform background checks: Camp owners must conduct background checks on their employees, volunteers, and counselors. If they don’t, they can be held liable for any harmful acts committed to third parties during the program.
• Risk of injuries: Camp owners can be held responsible for camper injuries during high-risk activities like football or jousting, even if a waiver was signed.

Just one unexpected lawsuit could set your camp back thousands of dollars or even more without the proper protection. That's why the liability coverage provided by camp insurance is essential.

Who Needs Camp Insurance?

Pretty much any kind of camp can benefit from having camp insurance, which is a special form of business insurance. However, depending on the specific activities and conditions present at your unique camp, your coverage needs can vary. You likely need at least some form of camp insurance if you own or run any of the following:

An independent insurance agent can help you identify the risks present in your specific camp and get you matched to a policy that addresses any potential losses.

What Does Camp Insurance Cover?

Camp insurance is designed to protect you from a number of angles. Whether you run a summer camp, band camp, youth sports camp, or scout camp, it must be covered against liability, property damage, theft, and much more. A complete camp insurance policy is likely to include the following types of coverage:

• General liability insurance: Covers costs associated with lawsuits arising from third-party claims of injuries or property damage caused by or at your camp.
• Commercial property insurance: Covers the cost of lost, stolen, damaged, or destroyed camp property, including buildings and equipment.
• Premises liability insurance: Pays medical expenses and lawsuit costs stemming from third parties who get injured or suffer property damage on your campgrounds due to unsafe premises. 
• Equipment breakdown insurance: Covers the cost of repairs or replacements to camp equipment and machinery that breaks down due to a covered cause, as well as lost income during necessary operations suspensions. 
• Loss of income insurance: Replaces lost income and pays continued expenses such as employee wages if your camp operations are suspended due to a covered loss like extensive fire damage.
• Commercial vehicle insurance: Covers cars, buses, trucks, or other camp vehicles used for business purposes against costs associated with theft, accidents, lawsuits, and more.
• Workers' compensation insurance: Covers your camp employees if they get injured, ill, or die as a result of job-related activities, including paying for medical treatments and a portion of lost wages if the employee cannot return to work.
• Professional liability insurance: Reimburses you for costs associated with lawsuits stemming from third-party claims of harm caused by professional services provided by your camp.
• Inland marine insurance: Pays to repair or replace stolen, damaged, lost, or destroyed camp property if an incident occurs while it's in transit.
• Cyber liability insurance: Reimburses you for costs associated with incidents of data breaches or cyber-attacks that may expose, sell, or distribute private or sensitive data.
• Crime insurance: Pays for losses associated with acts of crime against your camp, including those committed by employees.
• Employment practices liability insurance: Reimburses you for the cost of lawsuits stemming from camp employee claims of discrimination, sexual harassment, wrongful termination, etc.
• Hired or non-owner car insurance: Covers costs related to incidents involving camp employees' personal vehicles used for camp-related activities. 
• Umbrella insurance: Extends your camp's existing liability insurance to limits of $1 million or greater to help pay for hefty lawsuits.

An independent insurance agent can help you assemble a complete camp insurance policy based on the risks of your specific programs, etc.

Accidental Medical Insurance for Campers and Staff

Accidents often happen at camp, but an accidental medical group insurance policy can provide medical care compensation if necessary. Group accidental medical coverage usually covers injuries or illnesses that happen while at camp or those that start at camp and continue for some time. 

Some policies also cover dental injuries. This coverage normally comes packaged either as primary medical coverage or as a policy that pays excess benefits for those already insured by individual personal insurance. 

Primary medical coverage

Excess medical coverage

With an accidental medical policy, you can choose to cover staff and campers or just campers. Typically, this insurance covers all sponsored and supported activities of the camp and travel to and from camp activities unless otherwise excluded from your policy.

How Much Does Camp Insurance Cost?

The cost of camp insurance can vary as considerably as the type of camp in question. Typically, the cost of coverage can depend on:

• The type of camp
• The location and size of the camp
• The number of camp attendees
• The number of camp employees, staff, and volunteers
• The activities present at your camp
• Specific potential risks at your camp, such as pools, lakes, or trampolines
• Your camp's prior claims history

Regardless of what type of camp you run, an independent insurance agent can help you find the most affordable camp insurance near you.

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The Benefits of Working With an Independent Insurance Agent

Independent insurance agents aren’t tied to one carrier, so they can shop around and present multiple policy options and quotes. They’ll walk you through everything you need to know about finding the right camp insurance coverage at a great rate. Plus, if an accident happens, your agent can handle the entire claim process for you and deal with the carrier so you can focus on running your camp.