Kids love to go to camp and enjoy their favorite sports, explore the outdoors, or hang out with their friends from the youth group. As the supervisor or director of the camp, you have more than fun to think about. You have to make sure everyone is safe and you need to protect yourself from potential liabilities and lawsuits. When you have the proper camp insurance you can be as carefree and happy as the campers.
Find an independent agent in the Skyscraper insurance today. An independent agent can help you compare multiple camp insurance policies and rates so you can find the coverage that fit your needs.
3 Kinds of Camp Risk
- Premise liability: Camp owners have a responsibility to review its activities and inspect facilities to reduce the risk of camper injuries.
- Failure to perform background checks liability: Camp owners have a responsibility to perform backgrounds checks on employees, volunteers, or counselors concerning child and sexual abuse. If they do not, they can be held liable for the acts of the abuser at camp.
- Risk of injury liabilities: Camp owners have some responsibility for camper injuries unless a wavier has been signed for higher risk activities like tackle football.
Reducing Your Risk Exposure with Camp Insurance
Camp is supposed to be fun, but there are also many risks, from camper injuries to employee misconduct or negligence. A solid summer camp insurance policy will go a long way toward protecting you from most of the liability issues you face and the cost of accidental injuries that happen to campers or staff. Your camp may also be your business, so make sure you cover the risks associated with the business operations of the camp as well.
A comprehensive camp insurance policy provides you general liability and accidental medical coverage, as well as property damage, workers compensation and business interruption coverage’s.
Protecting Campers and Staff with Accidental Medical Insurance
Kids will be kids. Accidents often happen at camp, but an accidental medical group insurance policy can provide compensation for the appropriate medical care when that time comes. Group accidental medical coverage usually covers injuries or sicknesses that happen while at camp, or injuries and sicknesses that start at camp but continue for an extended period of time afterwards.
Some policies will cover dental injuries as medical expenses. These policies normally come in two packages: a primary medical coverage and one that pays excess benefits for those already insured by individual personal insurance. Here’s an illustration of the differences:
- Necessary for groups that may not already have accident or health insurance
- Pays claims first after an accident
- Pays covered claims even if you have other insurance
- Generally, covers personal plan deductibles, coinsurance or expenses left over after your personal plan pays claims
- Applicable to groups who are already covered by other insurance
- Pays out for coverage even after your personal coverage pays
- Coverage is not as extensive as your personal insurance