Here is a list of insurance coverage options that day camps and summer camps may want to consider:
General Liability Insurance: This coverage protects the camp from claims of bodily injury, property damage, and personal and advertising injury. It covers the camp if someone is injured on the camp's property or if the camp is sued for defamation or copyright infringement.
Professional Liability Insurance: Also known as errors and omissions insurance, this coverage protects the camp from claims related to the camp's professional services. For example, if a camp counselor fails to properly supervise a child and the child is injured as a result, professional liability insurance would cover the resulting claim.
Accident and Health Insurance: This coverage pays for medical expenses and other costs associated with injuries sustained by campers or staff while participating in camp activities. It may also cover the cost of transportation to a medical facility in the event of an injury.
Sexual Misconduct and Abuse Liability Insurance: This coverage protects the camp from claims related to sexual misconduct or abuse by camp staff or volunteers. It is important for camps to have this coverage, as such claims can be financially devastating for a camp to defend against.
Property Insurance: This coverage protects the camp's physical property, such as buildings, equipment, and supplies, from losses due to fire, theft, or other covered perils.
Cyber Liability Insurance: This coverage protects the camp from losses related to a cyber attack or data breach, such as the theft of sensitive customer information or the loss of important business data.
It's worth noting that the specific insurance coverage options a camp should consider will depend on the camp's unique needs and risks. For example, a camp that offers water activities may want to consider additional coverage for water-related accidents. It's always a good idea to speak with an insurance broker or agent to determine the appropriate coverage for your camp.
