If you coach sports, you likely know that a lot of work goes into helping players better develop their games. You also likely realize that players can gain conditioning during specialized periods of practice. As a result, you may decide to run a sport camp to help players improve their games.
However, whenever play ensues, there’s a chance for property damage or harm to the camp’s participants. The camp comes with its own degrees of specialized liabilities. It is important that sports camps get the appropriate camp insurance coverage.
Coverage for Sports Camps
Liability coverage can protect coaches, teams or sporting associations from various damage risks the camp may pose to others. Coverage should address the injury or damage risks posed to:
- Employees and volunteers at the camp
- Venues and their operators
- Suppliers or other parties associated with the camp.
Depending on who will work with your camp, you might need coverage like:
- Bodily Injury Protection: Third parties may sustain injuries when they visit your camp. This coverage might help you in case you have to pay medical bills or pain and suffering costs. Always use caution when getting bodily injury protections. These policies might not cover participants, including players and coaches. You may need to get additional medical protection to protect these individuals.
- Property Damage Liability Protection: Most camps don’t happen on land owned by the organizers. They might happen in rented gyms or borrowed playing fields. You may also use rented equipment. In case the camp’s operation damages property, this coverage can often protect the camp. Remember, this coverage often does not cover your own property. It usually only covers property belonging to others.
- Employment Practices Liability: You might hire volunteers or employees to work your camp. However, you have a responsibility to make sure employees behave professionally, ethically and safely. If they fail to do so, they may harm others. The camp may be liable as a result. Employees of the camp should always have coverage in case they make mistakes.
- Workers’ Compensation: A camp may have to offer its employees this coverage in case they get hurt on the job. It might serve as income replacement while the person recovers from injuries.
- Advertising Liability Coverage: Your promotion of the camp may harm a competitor. If they take action against the camp, this coverage may protect your assets from damage.
To get liability coverage for your sports camp, contact a sports insurance agent.
Call Bene-Marc, Inc. at (800) 247-1734 for a fast, free quote on a sports camp insurance policy. We can help you determine the coverage you need.