How to Choose Sports Camp Insurance: 5 Easy Tips
Sports camp insurance protects your business when accidents, injuries, or property damage threaten your operations. Running a youth sports camp can be rewarding, but the risks are real. A single injury, lawsuit, or canceled event can wipe out a season of revenue. As a result, every camp director needs a clear plan for coverage. At Bene-Marc Youth Sports Insurance, we have spent over 53 years helping camps build that plan.
This guide walks you through five easy steps for choosing sports camp insurance that fits your program. First, we will look at why coverage matters. Then, we will outline the core policies, the people they protect, and how to get started.
1. Understand why sports camp insurance matters
Owning or operating a sports camp is not all fun and games. Camps can be lucrative and engaging, but they also carry risks that can disrupt operations and finances. For example, a fall during a drill can lead to a hospital bill, and a parent lawsuit can follow. Without strong sports camp insurance, those costs land on you.
Incidents at your camp can affect more than athletes. Employees, coaches, and volunteers also face injury risks during practice, competition, equipment setup, and travel. As a result, your coverage must reach every person on the field.
2. Identify everyone your sports camp insurance must protect
A complete policy covers the full roster of your camp. In addition to athletes, your plan should extend to managers, coaches, umpires, referees, trainers, equipment staff, scorekeepers, maintenance workers, and volunteers. Each role brings its own risk profile. For example, a volunteer driver faces different exposures than a head coach.
Next, take stock of your venues, equipment, and travel routes. The more activities you run, the broader your coverage needs to be. Our team helps camps map every role and risk before they pick a policy.
3. Build a core sports camp insurance portfolio
No single policy covers every risk. As a result, most camps assemble a portfolio of coverages. The right mix depends on your size, sports, and venues. In general, prioritize these policies:
- General liability insurance
- Professional liability insurance
- Commercial property insurance
- Accident medical expense insurance
- Accidental death and dismemberment insurance
- Workers compensation insurance
- Business interruption insurance
- Directors and officers liability insurance
- Employment practices liability insurance
- Commercial auto insurance
- Commercial umbrella insurance
For more detail on these products, see our camps, clinics, and clubs coverage page. The Sadler Sports overview also outlines common camp risks in plain language.
4. Address gaps with specialty sports camp insurance
Standard policies leave gaps. For example, abuse and molestation claims often sit outside general liability. In addition, cyber risks rise when camps collect parent payments online. A qualified agent reviews your operations, finds the gaps, and recommends specialty add-ons.
Our team at Bene-Marc Youth Sports Insurance has placed coverage for camps in all 50 states. As a result, we know which add-ons matter for each sport and region. Learn more about our approach and history.
5. Work with a specialist to lock in the right sports camp insurance
Sports camp insurance is not a one size fits all product. As a result, the most reliable way to protect your program is to work with an agent who lives and breathes youth sports. We answer the phone, write plain English quotes, and help when a claim happens.
Athletes count on your camp to be safe. Parents count on you to be ready when things go wrong. With the right plan in place, you can keep both promises.
Get started with Bene-Marc Youth Sports Insurance
Ready to protect your camp? Call Bene-Marc Youth Sports Insurance at 800-247-1734 or visit bene-marc.com/contact for a fast, free quote. We will help you build a sports camp insurance plan that fits your athletes, your staff, and your budget.
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.
