Insurance for Youth Sports Summer Camps

No matter the ages or the sports involved, running a youth sports summer camp involves extensive planning and coordination. With all the work to ensure the camp runs smoothly, it’s essential to consider strategies to help mitigate the associated risks. In addition to developing sound policies and procedures, securing appropriate insurance can help provide coverage for the various exposures of hosting a sports camp. 

At Bene-Marc, Inc., we can use our knowledge and experience to help you build a comprehensive insurance plan. We specialize in sports and special events insurance, and we are ready to work with you. Contact us today to get started. 

What Coverages Are Available for Youth Sports Summer Camps? 
Sports camps organizers can obtain several types of insurance coverages as safeguards for the risks you may face. Insurance can provide financial protection for your operations and benefits several involved parties such as camp employees, volunteers, spectators and participants. Available coverages may include: 

General Liability Insurance 
General liability insurance may provide coverage if your sports camp is responsible for property damage or injuries of third parties (e.g., spectators). It may provide compensation for property losses and pay for medical expenses and legal fees (e.g., court costs, settlements or judgment).  

General liability insurance may also cover unintentional personal injuries (e.g., slander or libel) and advertising injuries (e.g., copyright infringement).  

Discuss applicable limits and exclusions with your Bene-Marc agent, and review your general liability insurance policy’s coverage regarding participant’s lawsuits after sustaining an injury, staff’s inappropriate conduct, damages to premises you rent and the collapse of temporary structures (e.g., bleachers and tents).  

Property Insurance 
Sports camps may also face risks regarding their property. Needs vary, but property insurance may be available to provide financial protection for your owned buildings, outdoor property (e.g., fences and bleachers), and your camp’s equipment if a covered peril damages them.  

Auto Coverage 

If your sports camp owns or uses automobiles as part of its operations, different auto insurance coverages may be available to meet your needs. If your camp owns vehicles, a commercial auto insurance policy may provide the appropriate coverage if accidents occur. If camp employees or volunteers use personal vehicles for camp purposes, hired/non-owned auto liability coverage may be necessary. Consult with your Bene-Marc agent to determine which insurance is right for you. 

Workers’ Compensation Insurance
Sports camp employees face risks on the job. Workers’ compensation insurance can help provide coverage for medical expenses if they suffer a work-related injury or illness. States have different laws regarding workers’ compensation insurance. Make sure to consult with a licensed professional to determine what coverage is needed. 

Cyber Risk Insurance 
Cyber risk insurance should be considered if your camp utilizes technology to process your participants’ payments or store their information. It can provide coverage if a cyber attack or data breach occurs. It may help with the expenses associated with notifying affected parties, and it may cover fines and legal fees related to the event. 

Crime Insurance 
Crime insurance may provide coverage if a dishonest employee steals your sports camp’s property or embezzles money. Sports camps may be susceptible to these exposures even with training and vetting, and a crime insurance policy can help protect against these financial losses. 

Other Considerations 
Each sports camp is unique and faces different risks. The above list is not all-inclusive and additional coverages may be available, including: 

• Professional liability insurance
• Directors and officers liability insurance
• Excess accident insurance 

Make sure to work with your Bene-Marc agent to discuss available options, limits and exclusions. 

How Much Does Insurance for Youth Sports Summer Camps Cost? 
The cost of insurance for sports camps depends on various factors, including the size and location of your camp and the involved sports. The age of the participants and your selected coverages may also influence premiums. 

The team at Bene-Marc is ready to help you find insurance that meets your needs and budget. We strive to set the standard for customer service, and we can help you navigate the complexities of securing insurance for sports camps. Contact us today to get started.