Insurance for Youth Camps and Clinics

Youth camps and clinics provide an opportunity for children to engage in activities that help them learn and grow. When planning for these exciting events, it is critical to consider risk management strategies, including securing insurance that provides coverage for your organization, your campers, employees and volunteers.  

The experienced professionals at Bene-Marc Inc. can help you build a comprehensive insurance portfolio. We specialize in sports and special events insurance, and we are ready to assist you in obtaining the coverages you need. Contact us today to get started. 

What Coverages Should Youth Camps and Clinics Consider? 
Art camps, academic camps, music camps and other activity-based camps face various risks. Numerous types of coverages are available to address these potential hazards. Available coverages may include: 

• General liability insurance. If your youth camp is responsible for property damage or injuries of third parties, general liability insurance may pay for medical bills, legal fees (e.g., court costs, settlements or judgments) or property loss expenses. Additionally, it may provide coverage for unintentional personal injuries (e.g., slander or libel) and advertising injuries (e.g., copyright infringement). Review your general liability policy’s coverage regarding participant lawsuits after an injury, premises damage, sexual abuse and molestation and temporary structure collapse. If they are excluded, endorsements or additional policies may be available to secure coverage.
• Property insurance. Youth camps often have property that is at risk of being damaged or destroyed. Property insurance may be available to protect owned buildings, outdoor property (e.g., fences and bleachers) and equipment. If you rent a property for your camp, you may also secure policies to cover your belongings while at the site.
• Accident insurance. Accident insurance may be available to cover registered campers and employees. It may help pay for medical expenses if they are injured.
• Commercial auto insurance. If your camp owns or uses vehicles as part of its operations, a commercial auto insurance policy may provide the appropriate coverage if accidents occur. 
• Cyber risk insurance. Many camps process payments electronically or store digital information. Cyber risk insurance may provide coverage if a cyber attack or data breach occurs. It may help with the expenses associated with notifying affected parties, and it may cover fines and legal fees.
• Workers’ compensation insurance. Workers’ compensation insurance may help provide medical expenses and wage replacement if a camp employee suffers a work-related injury or illness.
• Crime insurance. Even with extensive training and careful hiring practices, camps can fall victim to employees’ dishonest acts. Crime insurance may provide coverage if an employee steals camp property or embezzles money.  

• Professional liability insurance
• Directors and officers liability insurance
• Products and completed operations coverage 

• The size and location of your camp. 
• The camp’s activities. 
• The age of the participants. 
• Your selected coverages.