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How Much Liability Insurance Do Youth Sports Camps Need?

Monday, June 8, 2020 Sports camp

Many of those who start a youth sports camp think of the basics first—finding volunteers and coaches, a location, funds, etc. Among those beginning plans, it’s important to consider liability insurance. Before ever bringing in participants, the sports camp should have a solid insurance policy in place to protect against all possible points of liability.

There are multiple types of liability insurance all geared for specific purposes. Youth sports camps should carry:

General Liability

General liability insurance covers claims against the sports camp concerning bodily injury and property damage that occur on the sports camp’s property. This covers basic accidents, such as a young participant tripping over a piece of equipment and spraining their ankle. General liability insurance policies generally come by $1 million in coverage per policy term, which is usually six to twelve months.

Directors and Officers

If your youth sports camp has a board of volunteers that controls the camp’s operations, you will need directors and officers insurance. This insurance covers lawsuits filed against officers or volunteers on the board of the sports camp. It includes coverage for claims concerning:

  • Not following laws or regulations
  • Pollution
  • Cyber liability
  • Human resources issues
  • Misrepresentation
  • Mismanagement of funds

You should have enough directors and officers insurance to cover everyone on the board in case of a lawsuit. This insurance excludes illegal activity such as fraud and embezzlement, but these actions can be covered under crime insurance.

Sexual Misconduct

Sexual misconduct among sports youths is unfortunately common. The majority of sexual misconduct claims are filed against people the child knows and trusts, including coaches and volunteers at sports camps. Insurance can help protect the camp in case someone working for the sports camp is accused of sexual misconduct. Sexual misconduct can often come with EPLI, or employee practices liability insurance, which is often an endorsement for a directors and officers insurance policy.

Hired or Non-Owned Auto Insurance

Many sports camps borrow or rent vehicles in order to transport participants and equipment to and from the camp. Whether the camp rents a bus or has volunteers and employees drive personal vehicles, you should consider Hired or Non-Owned auto insurance. This insurance provides compensation for damages to vehicles used but not owned by the policyholder. There are some legal requirements when it comes to commercial auto insurance, although this usually only applies for vehicles owned by a business. Either way, it’s important to be aware of the laws and be sure that all vehicles being used by the business have the correct required amount of insurance. Auto insurance requirements vary by state. In Texas, all vehicles must be covered with at least:

  • $30,000 in bodily injury liability per person
  • $60,000 in bodily injury liability per accident
  • $25,000 in property damage liability

Although youth sports camps are all about getting outside and being active, many operations are still held online, such as processing information and credit cards. Storing information electronically can be easier than keeping paper copies, but it also adds dangers when it comes to hackers and software failures. Losing participant information can lead to a lawsuit, especially if financial and personal information is stolen or accessed by an outside source. Cyber liability insurance covers lawsuits concerning the loss or damage of electronically stored information.

Deciding Policy Limits

Since every youth sports camp is different, so are the coverage needs are different, as well. Most liability policies go by millions, although some can begin lower. Carefully consider the needs of your youth sports camp and speak with an insurance agent about insuring your camp.

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