Summer Camp: How to Insure Property and Activity
Spring is here. For those in the summer camp business, that means a hectic season of preparation for the months when they are in operation.
Summer Camps – Insurance
Camps require tailored insurance that generally is written on an account basis. This includes coverage for the following:
- Property Coverage for camp buildings, contents and service equipment
- Commercial General Liability
- Auto Liability
- Special Campers Accident and Sickness Coverage
Summer Camp Insurance Question and Answer Forum
Q: I own a sleep-away camp. What type of liability limits does the insurance industry advise?
A: We strongly recommend high liability limits.
Q: Besides the standard insurance for summer camps, what else should I consider?
A: You should determine if it is worthwhile to get coverage for camp tuition costs, extra expense and theft expense. Medical expense, accident and tuition reimbursement insurance is offered to recompense for medical expenses sustained as a result of illness, accident or death – or in the event of one or more campers that decide to withdraw from camp due to an epidemic outbreak, flood or other stipulated motive.
Q: Anything else to think about?
A: It’s wise for any summer camp management to include abuse and molestation coverage.
Q: Are all summer camp recreational activities included in general coverage?
A: Good question! Although the insurance industry itemizes several specified activities, some may be excluded. If you need special coverage for those that are not listed, your agent should be able to locate coverage that will protect you from the related risk exposure.
Q: What type of agency is most equipped to find the coverage I need.
A: When shopping for insurance, look for an independent insurance agency that does direct business with many of the leading companies – one that has the experience and know-how to deal with your needs.
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Summary: Before you turn around, it’ll be camp season. Learn how to protect your summer camp from all the involved liability through this special insurance question and answer forum.