Camp Insurance

Camp insurance is designed to address the wide range of risks camps face throughout the year, not just during the operating season. Coverage programs are tailored to each camp’s size, activities, facilities, and staffing model, and may include general liability, property insurance, workers’ compensation, commercial auto, abuse and molestation liability, cyber liability, and business interruption coverage. Many camps also require umbrella or excess liability to protect against severe or catastrophic claims.

Overnight camps typically face broader exposures due to residential facilities, extended supervision, food service, medical care, and 24-hour operations. Day camps often involve higher transportation exposure, frequent pickup and drop-off activity, and multi-site programming. While both require thoughtful liability and safety planning, coverage structure and risk control priorities often differ based on how long participants are in care and where activities take place.

Yes. Liability coverage is foundational for camps, particularly during the summer season when participant volume, activities, and staffing levels peak. Summer camp liability insurance helps protect camps from claims related to bodily injury, property damage, supervision failures, and program operations. Coverage limits and structure should reflect the camp’s activities, attendance, and risk tolerance, not just minimum requirements.

Youth camps should prioritize liability coverage, abuse and molestation protection, workers’ compensation, and risk management support. Because youth-serving organizations face heightened regulatory and reputational risk, strong prevention programs, staff training, and claims advocacy are just as important as the insurance policy itself.

Sports camps often experience a higher frequency of injury claims due to the physical nature of their activities. Coverage considerations typically include participant injury response protocols, waivers and releases, facility agreements, and medical supervision. Insurance programs for sports camps should be paired with clear risk controls, staff training, and incident response planning to help reduce both claim frequency and severity.

Most camps should strongly consider abuse and molestation coverage due to the sensitive nature of youth supervision and the potential severity of allegations. Beyond insurance, camps should implement robust screening, training, supervision, and reporting protocols. A comprehensive approach helps protect participants, staff, and the long-term viability of the organization. abuse and molestation coverage?

Camp insurance pricing depends on many factors, including camp size, location, property values, activities offered, staffing structure, claims history, and risk management practices. Camps with strong safety programs, loss control measures, and clear operational procedures are often better positioned over time. Pricing should be viewed as part of a long-term risk strategy rather than a one-year transaction.

Yes, but these activities require specialized underwriting, safety protocols, and risk controls. Waterfront, adventure, and high-risk programs typically involve additional scrutiny around supervision, training, equipment, and emergency response. Working with a broker experienced in complex camp operations can help camps structure coverage and risk management programs that support safe, insurable operations.