Owning or operating a sports camp is not all fun and games. Although these camps may be lucrative, rewarding and engaging, your organization must also account for various risks and exposures that could disrupt operations and finances. Implementing and maintaining optimal loss control practices is essential to operating your sports camp, regardless of how safe, responsible or experienced your company may be. 
Incidents at your sports camp can affect more than just your athletes. Your organization’s employees may also be at risk of experiencing injuries. Even amid regular operations, your organization’s sports camp may need to account for many significant risks and perils. Costly injuries, accidents and errors can all occur during routine tasks and activities, such as daily practices, competitions, setup processes and transporting equipment or personnel.
It’s essential for your sports camp’s insurance to include coverage for all parties involved, such as the following:
- Athletes
- Managers
- Coaches
- Umpires/referees
- Trainers
- Additional staff (e.g., equipment managers, scorekeepers and maintenance employees)
- Volunteers
To alleviate risks and exposures at your sports camp, robust loss control practices, including a suitable insurance portfolio, can provide critical financial protection for your business. Without ample coverage, your organization may accrue directly or be found liable for catastrophic losses and damages that could derail its operations and even jeopardize its future. Furthermore, athletes and employees may rely on your camp’s insurance to render critical financial aid capable of assisting with medical bills and optimizing recovery processes.
To assemble an adequate insurance portfolio for your sports camp, consider prioritizing the following coverages:
- General liability insurance
- Professional liability insurance
- Commercial property insurance
- Accidental medical expense insurance
- Accidental death and dismemberment insurance
- Workers’ compensation insurance
- Business interruption insurance
- Directors and officers liability insurance
- Employment practices liability insurance
- Commercial auto insurance
- Commercial umbrella insurance
Your sports camp should also consult a qualified insurance professional to identify any unique circumstances and gaps that may require additional coverage.
Get the Right Coverage
Ideally, sports camps can provide athletes of all ages and skill levels with many benefits, including opportunities to enhance their abilities, learn valuable life skills and improve physical health. Unfortunately, things may not always go according to plan. A slight misstep, poorly timed twist or unexpected bend can quickly lead to significant injuries and financial losses.
At Bene-Marc, we understand the risks and perils of sports camps. Our knowledgeable staff has over 40 years of experience specializing in sports-related insurance. We will draw on that expertise to ensure your camp, athletes, employees and finances are protected by optimal coverage solutions. Contact us today to get started.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.