Summer camps. Sports camps. Band camps. Math camps. There’s absolutely no shortage of getaway camps out there for the kiddos these days. And every one of them is a great opportunity for kids to get out of the house, explore, learn, and have fun. But as the owner or director of the camp, you have more than just fun to think about. You have to make sure everyone, and everything is safe and protected.
Luckily, our independent insurance agents are here, ready to help you track down and compare multiple policy options before securing the protection that’s right for you. But first, let’s talk about the risks and protections you need to consider before taking the next step.
The thing about risks is that they can be pretty sneaky, which makes it hard to be properly prepared and protected. A solid summer camp insurance policy will go a long way toward protecting you from the liability issues you face and the cost of accidental injuries that happen to campers or staff.
Your camp may also be your business, be sure to cover the risks associated with the business operations of the camp as well.
A comprehensive camp insurance policy provides you general liability and accidental medical coverage, as well as property damage, workers compensation and business interruption coverages.
Everybody knows kids will be kids. Accidents often happen at camp, but an accidental medical group insurance policy can provide medical care compensation if, and when, that time comes. Group accidental medical coverage usually covers injuries or sicknesses that happen while at camp, or injuries and sicknesses that start at camp but continue for some time afterwards.
Some policies will also cover dental injuries as medical expenses. These policies normally come in two packages: a primary medical coverage and one that pays excess benefits for those already insured by individual personal insurance. Here's the differences:
With your accidental medical policy, you can choose to cover staff and campers or just the campers alone. Typically, this insurance covers all sponsored and supported activities of the camp and travel to and from camp activities, unless otherwise excluded in your policy.
A key part of your camp coverage is a general liability policy. This policy provides the following risk protections:
One of the most popular types of summer camps is a sports camp. Many colleges, schools, and local organizations offer a number of different sports camps, from basketball, to football, or volleyball. These policies typically include group accidental medical coverage that is customized to the specific sport. Some camps may also require waivers to be signed by participants if there is a reasonable expectation of injury.
Basketball camps are particularly popular with the kids. Whether it’s a day-camp format or more of a sleepover-type camp, it can be run by athletes, coaches, or volunteers from the community. If you're running a basketball camp, you’ll want to make sure you purchase adequate medical coverage for your staff and participants, as well as general liability insurance for the court, the locker room, and any lodging facilities.
Obviously, a math camp won’t have as a high-risk as a full-contact football camp. And this is taken into careful consideration when insurers are formulating their quotes. Some injuries due to high risk activities may be excluded on some policies, so be sure to talk it all through with your independent insurance agent. Your agent can help you make sure you've got all the coverage you need to host a camp safely.
The final type of insurance that can be an asset to a camp is a business owners insurance policy (BOP). The protection you’ll need under your BOP includes:
The right summer camp insurance gives you the peace of mind you, and your campers, need to relax and enjoy the time. An independent insurance agent in the Trusted Choice network can help you fit all the appropriate camp insurance coverages to your specific needs at a cost that makes sense for your budget.
Independent insurance agents are kind of like the Google of insurance quotes. You tell them what you’re looking for, and they bring in the results. And since they aren’t tied down to one carrier, they’re free to shop around and bring multiple policy options to the table.
And it gets better, you don’t have to review the policy options alone. They’ll walk you through everything you need to know about finding the right coverage, and price, for you. But it doesn’t end with your signature. Along the way, if something bad ever happens, they’ll handle the entire claim process for you and deal with the carrier, so you can focus on your camping empire. How sweet is that?