What Coverages Does Day Camp Insurance Provide?
As mentioned, most day camp insurance policies provide a number of liability protections as well as other insurance coverages.
Some of the more common liability protections are:
- General Liability Coverage, which may cover accidents caused by poorly maintained camp facilities
- Abuse and Molestation Liability Coverage, which may cover civil suits alleging inappropriate actions by camp employees
- Professional Liability Coverage, which may cover errors camp directors, medical personnel, counselors and other employees make while working
- Special Events Coverage, which may cover incidents occurring during fundraising or other special events regardless of where the events take place
- Volunteers as Additional Insureds Coverage, which may extend liability protections provided for employees to volunteer workers
- Data Breach Coverage, which may cover online hacks and other breaches of digital files
- Commercial Umbrella Coverage, which may afford extra liability protection
Some of the other coverages that camps frequently get include:
- Commercial Property Coverage, which may protect camp-owned buildings, equipment and supplies
- Commercial Property Extension Endorsements, which may be added on to protect specific equipment or items
- Systems Breakdown Coverage, which may cover mechanical, pressure, electric or other essential systems in the event of a malfunction
- Accident Medical Coverage, which may cover injuries sustained by campers who have no health insurance
- Commercial Auto Coverage, which may cover camp-owned vehicles
- Inland Marine Coverage, which may cover equipment while it’s being transported between locations
An agent who knows day camp insurance can help businesses select a mixture of coverages that adequately protects the camp and its assets.
Do Camps Only Need Summer Camp Insurance During the Summer?
Summer camps normally should have a robust summer camp insurance policy in place for the duration of their youth activities, and they likely don’t need to carry the same level of protection during other parts of the year when there aren’t any official camp activities. Whether camps can completely cancel their summer camp insurance during the off-season, however, depends largely on how the camp is run.
Camps that use another organization’s facilities and equipment might be able to cancel most of their summer camp insurance coverages once all activities are over for the season. If they don’t have assets to protect, maintaining only a minimal amount of protection between summers could be sufficient.
For instance, a coach that leads a two-week sports camp at their high school likely doesn’t need to carry a comprehensive list of protections all year long as long as the school owns the facilities and equipment.
In contrast, camps that own substantial assets and/or have year-round staff likely can’t cut back on their coverages as much when the season is over. They might be able to reduce some protections, but others ought to be left in place.