Summer Camp Insurance

Summer camp insurance is a group of policies that are combined to give you comprehensive coverage. Your insurance policy can be built around the specific needs of your summer camp (based on your services and facilities and the events you host). Here are the common coverage summer camps have within their insurance policies:

• Commercial General Liability (CGL) Insurance: Commercial general liability insurance, sometimes known as “slip-and-fall insurance”, can protect your summer camp against the day-to-day liable risks, specifically claims of third-party bodily injury or property damage. This is particularly important coverage to have in summer camps due to the physical activities you host available for your campers. Say, during a ballgame, a camper falls and severely twists their ankle. You could be responsible for the injury, and this coverage could cover the medical costs should their parents make a claim against your business. CGL also includes product liability insurance, which is a vital coverage to have if your summer camp sells merchandise.

• Commercial Property Insurance: Commercial property insurance provides protection for your business property and the contents within it when insured risks occur, like fire, theft, or vandalism. Say a lightning storm struck a building on your premises, causing a fire and serious smoke damage. This insurance could cover the costs to repair the building, and replacing any of the damaged or destroyed contents within it.

• Equipment Breakdown Insurance: Equipment breakdown insurance covers the costs to repair or replace professional equipment such as commercial kitchen appliances, security systems and heating or cooling systems. For example, your cafeteria’s walk-in freezer suffers a mechanical breakdown during the peak of your operations. Equipment breakdown insurance can cover the costs to repair or replace the broken machinery.

• Professional Liability Insurance: Also known as errors and omissions insurance, this coverage offers financial protection against actual or alleged professional negligence, errors, omissions, or failure to deliver a service as promised. Parents and guardians place their trust in summer camp instructors to ensure their children are properly looked after, and it’s assumed you have the professional expertise to do so. Suppose you’re teaching a summer camp group how to sail, but you fail to properly ensure all campers are wearing their life jackets properly. One camper falls in the water and nearly drowns before being rescued. Their guardian sues your summer camp for negligence and the cost of the child’s medical bills. Your professional liability insurance could cover the legal and medical expenses.

Additional coverages: 

• Abuse Liability Insurance: This coverage protects summer camp employees and volunteers against third-party allegations of an act or threat of sexual, physical, or mental harassment, abuse, or misconduct. Suppose a child claims one of your employees physically disciplined them and their parents file a lawsuit against your company. This insurance policy could cover the defence costs and related settlement costs of the case.

• Cyber Liability Insurance: Cyber liability insurance is becoming increasingly necessary as more and more personal data is housed on electronic systems. Cyber liability insurance covers costs associated with tech incidents such as cyber-attacks on your computing systems. Say the data on your computer system is wiped after an employee opens an unsafe link in an email. Cyber liability insurance could cover the costs of notifying those whose data may have been compromised and the costs of data restoration.

• Commercial Auto Insurance: Basic commercial auto insurance can provide coverage for liability and property damage while in transit. Say you’re in a two-vehicle accident when driving a summer camp maintenance van from a supply store to the campsite. If you’re found to be at fault for the accident, commercial auto insurance could cover the legal fees, and any third-party medical and property costs.

• Legal Expense Insurance: Hiring a lawyer is costly, and legal bills can pile up quickly. Legal expense insurance can help offset those costs if you need to hire a lawyer. It provides access to legal advice with an experienced lawyer, as well as financial support to retain a lawyer if you must.

• Commercial Crime Insurance: You hire good people to work at your summer camp, but as a business owner, you can’t discount the possibility of hiring a dishonest employee. Commercial crime coverage safeguards your summer camp from employee dishonesty, forgery, fraud, and internal theft.