How to Pick Summer Camp Insurance: 7 Easy Tips
When summer hits, kids run to camp for sports, friends, and fresh air. However, that energy also brings real risk. As a result, summer camp insurance is a must for any program that hosts active games like softball, soccer, or flag football. Below, we share seven easy tips for building strong protection. At Bene-Marc Youth Sports Insurance, we help camps match plans to the way they actually run. A plan matched to your real schedule is far easier to use when a claim arrives.
Begin summer camp insurance with general liability
First, general liability sits at the core of summer camp insurance. It pays for third-party bodily injury and property damage that happen on camp property. For example, a guest slips during open house and sprains a wrist. In that case, general liability helps with medical and legal costs. In addition, this same coverage often includes personal and advertising injury for claims like libel or slander. A single guest injury can cost more than a full summer of fees.
Add accident insurance for active sports
Next, accident insurance is critical when kids play organized sports. It covers participant medical bills from hospital stays, exams, transport, and emergency care. Moreover, some plans extend to disability costs after serious injuries. As a result, every camp should match the level of accident coverage to the intensity of its programs. High-contact sports need higher accident limits than a low-key skills clinic.
Protect your gear with equipment coverage
Bats, balls, nets, and uniforms add up fast. However, fire, wind, hail, theft, and vandalism can wipe them out in a single bad day. Equipment insurance pays to repair or replace these items. In addition, many policies cover gear in transit between practice sites. Replacing bats, nets, and uniforms out of pocket adds up fast after a storm.
Strengthen summer camp insurance for the board
Most camps run with a board of officers who set rules, sign contracts, and handle money. However, that role comes with personal liability. Directors and officers insurance protects board members from suits tied to those duties. Moreover, the policy often includes employment practices liability for claims like wrongful firing or harassment. That protection makes it far easier to recruit volunteers for the board.
Carry crime insurance against inside losses
Sadly, theft sometimes comes from inside the camp. As a result, crime insurance reimburses the program when an employee or volunteer steals money. In addition, crime coverage pairs well with directors and officers coverage for full financial protection. For a camp that handles registration cash, that safeguard pays for itself. A quick yearly review also keeps each limit matched to the size of the camp.
Add commercial auto to summer camp insurance
Many camps offer bus service or use vans for field trips. Commercial auto insurance covers vehicles owned or used by the camp. Common parts of the policy include:
- Comprehensive coverage for fire, wind, hail, theft, and vandalism
- Collision coverage when the vehicle hits another car or object
- Liability coverage for bodily injury or property damage to others
- Medical payments for the driver and passengers
- Uninsured and underinsured motorist coverage
Cover the buildings with commercial property insurance
Finally, commercial property insurance pays for damage to cabins, sheds, and other structures the camp owns or rents. For example, a lightning strike could spark a fire in a storage cabin. As a result, this coverage helps the camp recover and reopen quickly. For broader emergency-planning tips, see Ready.gov for business.
Every camp has different needs, so the right summer camp insurance plan fits your roster, your fields, and your gear. Call Bene-Marc Youth Sports Insurance at 800-247-1734, or visit our quote page to start your review.
