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Essential Insurance Coverage for Day Sports Camps

Thursday, March 28, 2024 Sports insurance

Day sports camps can offer athletes opportunities to hone their skills while cultivating growth, teamwork and fun. However, while these camps focus on fostering physical abilities and social development, organizers must prioritize risk management and loss control. After all, even elite coaches, trainers and staff may not be able to prevent all accidents or injuries amid the fast-paced world of sports. With this in mind, securing the right insurance coverage should be a top priority for all-day camps.

What Types of Insurance Should Day Camps Consider?

Day sports camps may have significant variance in their risks and exposures, but several types of insurance may be advisable for most organizations, including the following:

  • General liability insurance—This coverage can provide financial protection in case of third-party bodily injury or property damage on the camp premises. Whether it’s a guest or spectator slipping and falling, or an accident damaging equipment owned by other parties, general liability insurance may help cover resulting legal expenses, medical costs and settlements.
  • Participant accident insurance—Given the inherent physical nature of sports, participant accident insurance is essential. This coverage may offer financial assistance for medical expenses resulting from injuries sustained by camp participants during camp activities, ensuring that medical costs are managed and alleviating the financial burden on campers and their families.
  • Commercial property insurance—Many sports camps’ operations may include regular use of various equipment, facilities and supplies. Commercial property insurance can financially protect against losses or damage to the camp’s property caused by many common incidents or perils, including fire, theft or natural disasters.
  • Professional liability insurance—Coaches, instructors and staff members play a pivotal role in day sports camps. Professional liability insurance, also known as errors and omissions insurance, provides coverage in case a staff member is accused of negligence, misconduct or inadequate performance in their duties and can help cover legal fees and settlements arising from lawsuits.
  • Crime insurance—Unfortunately, theft and dishonesty can occur within any organization, including day camps. Crime insurance can cover losses resulting from theft, fraud or embezzlement by employees or third parties. By safeguarding against losses caused by criminal acts, crime insurance helps maintain the camp’s financial stability and integrity.
  • Workers’ compensation insurance—As employers, day camps are likely required by law to carry this type of coverage. Coaches, trainers and other staff may often be engaged in strenuous activities; if they are injured or develop a work-related illness, workers’ compensation coverage can help them with financial aid for resulting losses and expenses, such as medical bills and income replacement. Policies may also help pay for a camp’s legal costs if they are sued in the wake of a workplace injury or illness.

We’re Here to Help

Contact the sports insurance specialists at Bene-Marc Inc. to learn more about protecting your camp’s financial interests.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

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