We've Got You Covered

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What is camp insurance?
If you run a camp, you need protection against accidents that could occur on your property. That’s where camp insurance comes in. The primary form is general liability insurance, although your camp could require other forms depending on the scope of its operations. For instance, if your camp has vehicles, you will need auto insurance.
General liability insurance covers the camp and those who act on its behalf (the director, counselors, etc.) from the risk of liabilities incurred through lawsuits and other claims. Simply put, it’s protection against getting sued.
 
Why do I need it?
Your general liability policy should provide protection for three types of risk:

• bodily injury (covers your liability for injuries occurring on your premises)
• property liability (covers property damage to a third-party caused by camp operations, you, or your employees)
• medical payments (covers medical expenses of those injured on your property; typically excludes camp participants whose coverage can be purchased separately)

Camps are composed of myriad elements, from your administrative staff and counselors, to vendors, campers, and their parents. There is no way to control every part of your camp, and, even if you could, that would destroy the spontaneous joy that comes from camp. General liability insurance allows you to run a camp smoothly without constantly worrying about being held liable for something you can’t control. Take reasonable precautions against risk, but know that your insurance is there if something does go wrong.
 
How do I choose the best coverage for my camp?
Check for specific requirements in order to get exactly the combination you need. For instance, Nationwide’s General Liability Insurance for Youth Sports Camps and Clinics offers zero deductible for liability claims but only covers camps held on land not owned by the camp. Event Insurance Now offers a relatively inexpensive broad form Commercial General Liability Insurance for camps under 10 days which host no athletic events. Do your research and find the policy which works best for you in terms of coverage and cost.