WEDNESDAY, MARCH 23, 2022
Running a sports camp takes considerable planning and coordination. No matter the sport involved or the size of the camp, the risk of accidents and injuries is always present, even with extensive preparation and training. Having the right insurance coverage is a vital element of your overall risk management strategy, and the proper plan may help protect your camp, participants and spectators.
The team of licensed insurance agents at Bene-Marc Inc. can discuss your sports camp’s insurance needs. We specialize in the sports and special events insurance market and are ready to find an insurance solution that is right for you. Contact us today to get started.
What Is General Liability Insurance?
General liability insurance is a critical component of sports insurance. It can provide financial safeguards for your organization if your camp is held legally responsible for the property damage or bodily injuries of third parties, such as participants or spectators. It may help pay for the resulting medical expenses, attorney fees, court costs, settlements or judgments.
General liability insurance may also provide coverage if your sports camp is responsible for negligent personal injury (e.g., slander and libel) or negligent advertising injury (e.g., copyright infringement).
What Are General Liability Risks for Sports Camps to Consider?
The risks sports camps face depend on various factors, including the location, length and nature of the camp (e.g., day camp or overnight camp). The sport(s) involved and the age of the participants also affect a camp’s risk profile. Regardless of the structure and format, however, hazards will be present, including:
Products and completed operations exposures such as the sale of defective products at your sports camp result in injuries (e.g., faulty equipment or food poisoning).
Personal/advertising injury exposures such as unknowingly using another entity’s advertising idea, copyright or trademark in your sports camp’s promotions.
Damage to premises rented exposures that may be costly for your organization to repair or replace.
Several other risks may be present, and it may be beneficial to work with your agent to review your general liability insurance’s coverage regarding the following:
Additionally, you may be able to add a professional liability endorsement to your general liability policy. Professional liability insurance, or errors or omission insurance, may cover claims alleging inadequacies with your camp’s services (e.g., improper instruction).
What Does General Liability Insurance Cost?
The cost of general liability insurance for sports camps depends on various factors, including the number of participants; the length, structure and location of your camp; and the sport(s) involved. The selected coverages, limits and deductibles may also affect premiums.
The agents at Bene-Marc can work with you to find a policy that meets your needs and budget.
It can be difficult for organizers to think of all the hazards that might be present at a sports camp. However, it is essential to utilize risk management techniques, including securing the needed insurance coverages. Having the right insurance plan in place can provide valuable protection for your camp, participants and spectators.
The experienced team at Bene-Marc can review available coverages, discuss limits and exclusions and help you find the appropriate policy for your operations. We are ready to help you navigate the complexities of securing insurance for your sports camp, and we strive to set the standard in customer service. Contact us today for more information or a quote.
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