Summer Camp Insurance

Summer Camp Insurance

If you’re operating a kids’ day camp or summer camp, protect yourself from liability claims alleging third-party bodily injury or property damage.

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Insurance for summer camps and day camps

As a child, it’s almost a Canadian rite of passage to attend a summer camp. After the trip, campers bring home much more than a camp t-shirt. Summer camps are a great opportunity for kids of all ages to learn new skills, get reacquainted with nature, find some new friends and ultimately make lifelong memories.

Parents and guardians put their trust in the hands of camp facilitators to ensure their child is well taken care of, and kept safe. However, due to summer camp activities, injuries can happen regardless of the level of care taken. Additionally, campgrounds can face severe summer weather, which can cause expensive damage to buildings and contents.  

Savour the good times that take place at your summer camp with insurance that protects you against the risks. Below, you’ll find helpful information about how summer camp insurance can protect your business in Canada.

What is summer camp insurance?

Summer camp insurance is designed to protect your business from the costs of the unexpected and liable events you could face, such as costs associated with damages to your property or allegations of third-party bodily injury or property damage. 

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What does it cover?

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 a 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 replace 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 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 defense 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 free 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.

How much does summer camp insurance cost?

Summer camps come in all shapes and sizes – some are small day camps with minimal services, others are large overnight camps that may resemble a small village. Here are some of the main aspects of your business that will be taken into consideration when building you a quote:

  • Operation size (number of campers)
  • Training and experience
  • Annual and projected revenue
  • Services and activities offered
  • Number of employees and volunteers

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Common claims scenarios

Frequently asked questions

Will my insurance cover my camp if I rent it out during the winter season?

Many insurance companies will allow you to choose the duration of your policy. For example, at Zensurance we’ll ask you if you’re looking for annual coverage, seasonal coverage (minimum three months), or less than three months coverage. If your business is active in the winter months, ensure you have annual coverage in place, or speak to a broker about extending your coverage.

What is not covered in a summer camp insurance policy?

Your summer camp insurance is a group of combined policies, all of which are optional. Besides coverages you choose to exclude, summer camp insurance won’t cover your business for deliberate liable actions that cause property damage or third-party bodily injury, such as if an employee was to vandalize the property. The majority of risks you could face will be included as optional coverage, and you can speak to a broker for more details.

Do I need insurance if I require camp participants to sign a liability waiver?

Getting parents and guardians to sign waivers can protect your business against certain liabilities to a degree. However, there are aspects – such as the wording of the waiver and the details of the incident – that can determine whether a waiver is upheld in court. To ensure you’re sufficiently protected, it’s always advisable to hold insurance that covers you for a wide range of liable events. Additionally, a summer camp insurance policy may protect you from frivolous lawsuits brought against you.

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You deserve to create great summer camp memories without the worry of unexpected risks. At Zensurance, it’s our mission to help you understand your insurance needs and the coverage that’s available to you.

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