Summer Camps insurance, responsibilities, observing more

camp insurance

2023-05-31 05:02:29 679 Views

When we talk about Summer Camps, we mean a group activity with a lot of people involved. Since most of the camps are organized for youth, boys, and girls during their summer vacation. It is a difficult mission and a big responsibility for the organizers to protect the participants, the volunteers as well the employees of the organization from accidents and sudden events which may result in bodily injuries and material damage and losses and sometimes stopping the activity, which may reflect negatively on the organizer, and his association continuity in running such activity.


As is known, Summer Camps require movement from one place to another, from the participants’ community where they are accustomed to living to another place that is completely different. 


First and last it is the organizer’s responsibility to protect the participants where all of whom are youth and teenagers between 10 and 15 years old, the parents are paying money for their children’s participation and considered the organizer completely responsible for any harm that may happen. The organizer should remember that the activity’s success depends on the well preparation.


If it is a club or an association organizing such activities, know well it is not an easy job and they cannot handle it without insurance for all people involved. An expert camp organizer purchases full package insurance to cover participants, volunteers, employees, properties, and vehicles, whether the activity is taking place in a closed building or in an open area as nature where special measurements should be taken since the risks are great and the costs are more.


The insurance package policy should cover the following:
    •    Accidents and Health which cover participants and volunteers.
    •    Directors and Officers and employment-related practices coverage.
    •    Owned Auto Liability and Physical damages, including buses and 15 passengers Vans.
    •    An inclusive package of policies offering property, General Liability, third-party Crimes, Inland Maine Insurance, and Non-Owned and Hired Auto.

    •    Insurance for Summer Camps-/ Summer Camps Buyer’s Guide:

Camp Coverage
Parkland, FL
Phone: (310)9238210

Camp Coverage
Parkland, FL
Phone: (310)9238210

Morrow Insurance Agency
Hendersonville, NC
Phone: (800)2283132

Morrow Insurance Agency
Hendersonville, NC
Phone: (800)2283132

Hibbs Hallmark & Company
Tyler, TX
Phone: (800)7656767

Hibbs Hallmark & Company
Tyler, TX
Phone: (800)7656767

Guarantee Trust Life
Glenview, IL
Phone: (847)9045604

Guarantee Trust Life
Glenview, IL
Phone: (847)9045604


Cossio Insurance Agency
  Simpsonville, SC
Phone: (864)6880121

Cossio Insurance Agency
  Simpsonville, SC
Phone: (864)6880121

Guide One Insurance
  V Des Moines, IA
  Phone: (515)2675050

Guide One Insurance
  V Des Moines, IA
  Phone: (515)2675050


Philadelphia Insurance Co
  Indianapolis, IN
  Phone: (317)8495545

Philadelphia Insurance Co
  Indianapolis, IN
  Phone: (317)8495545

First brook Cassie &Anderson
  Pickering, ON
  Phone: (905)6834629

First brook Cassie &Anderson
  Pickering, ON
  Phone: (905)6834629

Camp Coverage
Parkland, FL
Phone: (310)9238210

Camp Coverage
Parkland, FL
Phone: (310)9238210

Morrow Insurance Agency
Hendersonville, NC
Phone: (800)2283132

Morrow Insurance Agency
Hendersonville, NC
Phone: (800)2283132

American International Co
  New York, NY
  Phone: (212)7705859

American International Co
  New York, NY
  Phone: (212)7705859

Church Mutual Insurance Co
   Merrill, WI
  Phone: (715)5394833

Church Mutual Insurance Co
   Merrill, WI
  Phone: (715)5394833


Camp Coverage
Parkland, FL
Phone: (310)9238210

Camp Coverage
Parkland, FL
Phone: (310)9238210

The Redwoods Group
  Morrisville, NC
  Phone: (919)4629730

The Redwoods Group
  Morrisville, NC
  Phone: (919)4629730

Maksim Group
  Pennsauken, NJ
Phone: (800)3756826

Maksim Group
  Pennsauken, NJ
Phone: (800)3756826

Wells Fargo Insurance Group
  Sherman Oaks, CA
Phone: (818)4649308

Wells Fargo Insurance Group
  Sherman Oaks, CA
Phone: (818)4649308


Markel Insurance Company
  Glen Allen, VA 
 Phone: (800)4311270

Markel Insurance Company
  Glen Allen, VA 
 Phone: (800)4311270

Camp Coverage
Parkland, FL
Phone: (310)9238210

Camp Coverage
Parkland, FL
Phone: (310)9238210

Chalmers Insurance Agency
   Bridgton, ME
 Phone: (207)6473311

Chalmers Insurance Agency
   Bridgton, ME
 Phone: (207)6473311

Allied Specialty Insurance, Inc
  Treasure Island, FL
  Phone: (800)2373355

Allied Specialty Insurance, Inc
  Treasure Island, FL
  Phone: (800)2373355


Sobel Affiliates Inc
  Garden City, NY
  Phone: (516)7450000

Sobel Affiliates Inc
  Garden City, NY
  Phone: (516)7450000

K&K Insurance
  Fort Wayne, IN
  Phone: (877)3550315

K&K Insurance
  Fort Wayne, IN
  Phone: (877)3550315

FAQ about Summer Camps Insurance

 What is Camp Insurance?

In general camp insurance is a type of insurance designed to cover all activities such as summer camps, day camps, and overnight camps that took place in different locations. Summer Camps are the most popular type of camp for a great number of participants and mostly teenage students, always the higher number of participants the greater the risks, consequently the injuries and the losses on the owners and organizers are too much.
Dealing with students and teenagers with volatile moods and impressions away from their parents during the camp period puts great burdens and responsibilities on the organizers, and financially may cost a lot. Insurance stands beside the organizers to make things run smoothly, easier, and tolerable.
An insurance policy will cover and protect the camp owners, directors, staff members, and above all the participants, against a range of potential risks and liabilities including accidents, injuries, illnesses, property damage, and natural disasters. The insurance policy may extend to cover expenses of legal fees in case of some events and accidents which may lead to a lawsuit.

How much does Summer Camp Insurance cost?

Most Insurance Companies deal with Summer Camps Insurance as well as all similar activities, issuing policies coverage for the following liabilities with almost similar prices with some minor differences, depending on the increase of coverage required by the camp administrators. 
Type of Insurance                                                                    
Cost Per Month
Cost Per Year
General Liability Insurance                                                                             
$ 48
$ 576
Professional Liability Insurance                                                                      
$ 51
$ 612
Commercial Property Insurance                                                                     
$ 70
$ 840
Business Owners Policy                                                                                   
$ 110
$ 1,320
Commercial Auto Insurance                                                                              
$ 75
$ 900
Workers Compensation Insurance                                                                  
$ 100
$ 1,200
Events Insurance                                                                                                    
$ 50
$ 600

What does American Camp Association (ACA) Accreditation mean?

American Camp Association (ACA) is a group of highly professional camp organizers with a long experience in organizing and operating young and adult activities and camps. ACA, through each member’s contribution and the partnership with camp owners, aims to provide the highest quality of safety requirements, a healthy environment, and great benefits for all participants and parents.
American Camp Association accreditation is a great assurance that camp organizers did their best with great commitments to safe and fruitful activities for participants of all ages. ACA standards are recognized by courts of law and government as the main standards of the camps community.

How to handle a summer camp claim successfully?

As in all sports activities where a great number of people gathered in one place and practice several Sorts of games, sudden events expected to happen at any moment, since the summer camp is running outside in an open place such as a forest or mountains which include always dangerous sports as climbing trees, crossing rivers from side to side, rappelling, farming and more. Summer camp accidents range from mild to extreme, as bug bites, animal bites, injuries from outdoor games, burns, swimming accidental…. etc. Some accidents may result in illness, head injuries, and pool drowning.
Despite all the precautions and well prepared, still accidents can happen suddenly, and the organizers are responsible and liable then the insurance company after claiming the incident.
Without proper handling of the claim, the insurance company cannot solve the incidents, consequently, the insured cannot receive the appropriate compensation. Some accidents may result in death, others in total or partial disability, where things may go to court as a lawsuit and must be followed by both parties, an expert claims department manager with a long experience can handle the case successfully through the following five steps:
    •    Documentation is the first and most important step, obtaining the documents that record all daily activities with full details, such as sign-up sheets, permission slips, and medical records for the participant or participants concerned in the claim.
    •    Statements: getting statements from the supervisors and trainers immediately after claiming is necessary, these statements should include all facts registered before, during, and after the accident happen, to make sure that the counselors followed the camp protocol.  
    •    Video and Pictures: after written statements, Video and Pictures will support the claim, as well as good scene photos of the surrounding location and a diagram of the camp with the area where the events took place.
    •    Documents of Procedures: Typically, all or most insurance companies asked about camp rules and regulations and the precautions taken by the camp organizers before issuing the insurance policy, to make sure that counselors are fully aware of camping protocol and must follow it at the time of injury and sign a slip, in which they are fully responsible in case of negligence of non-implementation of procedures that may lead to the accident occurrence resulting in injuries and damages.