How to Pick Sports Camp Insurance: 6 Easy Tips

Monday, November 18, 2019 Sports camp

Young campers running drills at a youth sports camp covered by sports camp insurance

Sports camp insurance protects your operation when accidents, injuries, or claims hit during the summer rush. Running a camp is exciting work, but it carries real exposure. As a result, the right policy lets you focus on the campers, not the worst case scenario. A plan matched to your camp is far easier to use the day a claim actually happens.

At Bene-Marc Youth Sports Insurance, we have insured youth camps for more than 53 years. In addition, our agents tailor each policy to the size and sport of your program. Because of this, you can plan a great season with confidence. That tailoring matters most when an unusual sport raises the risk.

What sports camp insurance usually covers

First, most sports camp insurance packages bundle the core coverages camp directors need. Moreover, you can add layers that match your sport and your staffing model. Reviewing each layer with an agent keeps the policy matched to how the camp really runs.

General liability: Covers bodily injury and third party property damage claims.
Accidental death and dismemberment: Pays benefits for severe injury events.
Accidental medical expense: Helps cover medical bills for hurt campers.
Fire damage: Responds to damage at rented or owned camp facilities.

Optional coverages worth a closer look

Next, most camp directors add a few optional layers. In fact, these often matter more than the base policy when a real claim hits. Those optional layers are often where a thin policy leaves a costly gap.

Sexual abuse and molestation: Important for any camp with youth athletes.
Non owned automobile: Covers staff vehicles used for camp errands.
Miscellaneous property floater: Protects gear like nets, balls, and bats off site.
Employment practices liability: Responds to claims from staff or volunteers.

Who needs sports camp insurance

However, not every sport qualifies for sports camp insurance through every market. For example, archery, baseball, basketball, golf, soccer, swimming, and many other youth sports are eligible. By contrast, programs that feature bungee jumping, rock climbing, or paintball usually need a specialty market. As a result, an early conversation with your agent saves time later. Knowing which markets fit your sport up front prevents a denied application down the road.