Table of contents
Summer and sports camps are where parents take their children to unwind and get along with other kids during the summer. Activities here such as basketball, tennis, painting, capture the flag, and bike rides help children’s development and growth.Â
It’s not smart to own a summer or sports camp without having the right coverage. The kids are your responsibility while they’re on the premises. What if someone gets hit by a ball during a tennis coaching session? What if a child falls from a height while playing in the playground? Yep, summer camps and insurance go hand-in-hand.Â
Summer and sports camp insurance might be the insurance package you’re looking for. Read this guide to know what policies are included, how much premiums cost, and the best companies.Â
Camp insurance is a type of insurance that is specifically designed for summer and sports camps. It covers various protections, including:
Liability Coverage–Liability coverage is one of the most important types of insurance for summer and sports camps. It provides coverage for injuries or property damage at the camp
Commercial Property Damage Coverage–Property damage coverage covers damage to the camp’s property, such as buildings, equipment, and supplies
Worker’s Compensation Coverage–Worker’s compensation covers injuries that may occur to camp staff while on the job.
Event Cancellation Coverage–Event cancellation coverage provides coverage for events that may be canceled due to unforeseen circumstances
Travel Coverage–Travel coverage covers accidents and injuries while traveling to or from the summer or sports camp
Sports and summer camps can be a lot of fun but also have inherent risks and liabilities. Accidents can happen, from slip-and-fall injuries to equipment mishaps, exposing camp organizers to financial loss and legal action. The following types of youth camp insurance may be essential:
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
General liability insurance is a type of insurance that provides coverage for accidents and injuries that may occur at the camp. This will cover the medical treatment of the injured kid. This youth summer camp insurance policy can also help if someone losses a property due to an accident in your summer camp. General liability insurance can also cover attorney fees and other legal costs if parents and other concerned parties decide to sue. Use the table above to see which insurance company offers the best general liability insurance for sports camps.Â
Does General Liability Insurance Only Cover Accidents and Injuries?
Aside from bodily injuries and property damage, your summer camp can also use general liability insurance to cover claims for copyright infringement, slander, libel, and related offenses filed by another business.Â
| CoverWallet (Best) | NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $250,000-$2,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $250,000-$2,000,000 | $1,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | Can be included |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $50/$10,000 |
Professional liability insurance covers errors and omissions that may occur at the camp. Particularly, you can leverage this policy if a parent or any other party decides to sue for negligence, inaccurate advice, and other related offenses.Â
In What Situations Can Professional Liability Insurance Help?
Here are some situations where professional liability insurance can help:
A child sustains an injury due to the instructor’s erroneous advice during a basketball training session in your summer camp
A child gets lost while dwelling on the premises of your summer camp
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $400,000 | $25,000/$500,000 | $25,000 | $100,000 |
| Contents coverage limit (minimum) | $50,000 | $35,000 | $25,000/$500,000 | $15,000 | $35,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Included | $2,500 |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | $2,500 |
| Lock and keys | Excluded | $2,500 | Excluded | Included | $2,500 |
| Business interruption floater | Excluded | Included | Included | Included | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Included | Included |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded | $5,000 |
Commercial property insurance covers the camp’s buildings, equipment, and supplies. This insurance sees to it that you can go back up and running once again even if something bad happens to your sports and summer camp facility. Use the table above to see which insurance company offers the best commercial property insurance.Â
The coverage you need will depend on the value of your camp’s property. For example, if your summer camp facility costs $1 million, then you need a commercial property that offers the same amount.Â
No. Commercial property insurance only works for your business’s belongings. The belongings of kids staying in your summer camp are excluded from this policy.Â
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $400,000 | $25,000/$500,000 | $25,000 | $100,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
A business owner’s policy is a type of insurance policy that combines general liability insurance and commercial property insurance into one package. It’s designed for small businesses and provides comprehensive coverage at an affordable price. Use the table above to see which insurance company offers the best business owner’s policy for sports and summer camps.
A BOP for summer camps covers many risks, including liability and property damage. Further add-ons can be introduced to a BOP so that it also covers cyber risks and business interruption.Â
Workers’ compensation insurance covers injuries or illnesses that may occur to employees on the job. It provides compensation for medical bills, lost wages, and related expenses. Use the table above to see which insurance company offers the best workers compensation coverage in their summer camp insurance programs.Â
Sports and summer camps are required by law to provide workers’ compensation insurance for their employees. This includes camp counselors, maintenance workers, and other staff members.
Event insurance covers events that may be canceled or postponed due to unforeseen circumstances. This includes inclement weather, natural disasters, and other events that may be out of your control.
Event insurance for summer and sports camps covers many risks, including event cancellation, property damage, and more. It’s designed to provide peace of mind for camp organizers and ensure that they are protected in case of unexpected events.
Summer camp event insurance may include the following components:
Summer camp cancellation insurance-Reimburses the value of non-refundable costs if the event in your summer camp must be postponed due to rain, equipment failure, delay of the delivery of key items, or no-show of important guests/performers
Liability coverage-Takes care of medical costs and legal fees if a third party such as performers, contractors, and others gets hurt during an event in your sports and summer camps.Â
Participant accident coverage-Covers the cost of treating participants who got injured because of an activity in your summer campÂ
Equipment coverage-Equipment coverage allows you to reimburse the cost of damaged/lost rented speakers, displays, wires, and other important tools for the event in your sports and summer camp
Commercial auto insurance can be used to cover the bus, passenger van, or any other vehicle that your summer and sports camp utilize during trips. The policy does the following on behalf of your business:
Cover the medical treatment of injured third parties who got involved in an accident caused by your sport and summer camp’s van or bus
Shoulder repair expenses if your camp’s van or bus sustained damage due to collision, weather, or any other covered peril
Summer and sports camps may need commercial auto insurance if they use vehicles to transport campers, staff members, or equipment. This includes buses, vans, and other vehicles used for camp-related activities.
No. Rented commercial autos aren’t usually covered in a commercial auto policy. Add a hired/non-owned auto liability coverage for coverage to apply. Note that aside from accidents caused by rented vehicles, hired/non-owned auto liability coverage can also grant protection if employees cause a car crash while driving their vehicles to do something for your sports and summer camp.Â
Sports and summer camp travel insurance provides coverage for campers traveling to and from the camp. It can cover trip cancellation, lost baggage, medical expenses, and more.
The coverage a policyholder can get with travel insurance for summer camp will depend on the policy and the insurance company. Here are some examples of the range that may be included:
Trip cancellation coverage up to $10,000
Medical expense coverage up to $100,000
Baggage loss coverage up to $5,000
Do Summer and Sports camps Need Travel Insurance?
Summer and sports camps may not need travel insurance if they are not responsible for arranging transportation for campers. However, if the camp is responsible for arranging transportation, they may consider purchasing travel insurance to protect campers in case of unexpected events.
Overnight summer camp insurance provides coverage for camps that offer overnight stays. It covers many risks, including accidents and injuries during overnight activities. Policies usually included are general liability, commercial property, professional liability, and others. The limits of the policies included in overnight camp insurance are the same as the limits of the policies included in a generic summer and sports camp insurance package.Â
Day camp insurance grants general liability coverage with a $1 million per occurrence and $5 million aggregate limit. The insurance policy takes care of anyone associated with the activities of the day camp such as instructors, participants, and visitors. A $15,000 excess medical expense coverage is also added. Waiver of subrogation, HNOA coverage, and excess liability insurance are available as add-ons in youth day camp insurance.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $48 | $576 | $0-$500 |
| Professional liability insurance | $51 | $612 | $500-$1,000 |
| Commercial property insurance | $70 | $840 | $1,000 |
| Business owner’s policy | $110 | $1,320 | $1,000-$2,000 |
| Commercial auto insurance | $75 | $900 | $1,500 |
| Workers compensation insurance | $100 | $1,200 | $1,000 |
| Events insurance | $50 | $600 | $500-$1,000 |
The average sports and summer camp insurance cost is $48 per month or $576 per year for a $1 million general liability coverage. The cost of summer camp insurance will depend on various factors, including the type of camp, the activities offered, the number of campers and staff members, and more. The table below shows how much the best insurance companies charge for a $1 million general liability insurance for summer camps:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $18 | $216 | Best overall; Fastest general liability insurance for sports and summer camps |
| The Hartford | $25 | $300 | Easy claims tracking |
| CoverWallet | $30 | $360 | Comparing summer and sports camp insurance quotes online |
| Tivly | $35 | $420 | Comparing quotes over the phone |
| Thimble | $40 | $480 | On-demand coverage |
| Hiscox | $50 | $600 | Customizable coverage |
Get a better idea of summer and sports camp insurance cost by comparing quotes. Start by clicking the “Get Quotes button on this page.Â
You can save money on summer day camp insurance by reducing risk, such as implementing safety procedures, training staff members, and more. They may also be able to save money by bundling policies, such as combining general liability insurance and commercial property insurance into a Business owner’s policy.
Get all the best quotes from leading providers in a click of a button!
Summer and sports camps are great for children and young adults to develop new skills, make new friends, and have fun. However, as a camp operator or organizer, it’s essential to have adequate insurance coverage to protect your business from unforeseen events. Here are some of the best sports and summer camp insurance companies that offer coverage for summer and sports camps:
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for sports and summer campsÂ
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policiesÂ
If not bundling, other options may be better
NEXT offers comprehensive insurance coverage for summer and sports camps at a starting price that’s hard to beat. They offer a 25% discount for bundling different products and instant access to the insurance certificate. However, if you’re not bundling, other options may be more suitable. Here’s a quick look of what you can enjoy from NEXT:
General liability-$1 million per occurrence, $2 million aggregate
Commercial property insurance-$400,000
Workers’ compensation-Varies by state
Best for: Best overall; Fastest general liability insurance for sports and summer campsÂ
Average cost: $18 per monthÂ
Our rating: 10/10
Convenient website
Multiple insurance partners
Compare quotes from different providers
No separate employers’ liability insurance option
CoverWallet is an excellent option for summer and sports camps looking to avoid lump sum payments. They have a streamlined quote process and a great selection of insurance partners. However, their employers’ indemnity insurance is combined with workers’ compensation insurance, which may not meet requirements in some states. Here’s a summary of what CoverWallet offers:
General liability-$1 million per occurrence, $2 million aggregate
Commercial property insurance-$50,000
Workers’ compensation-Varies by state
Best for: Comparing summer and sports camp insurance quotes onlineÂ
Average cost: $30 per monthÂ
Our rating: 10/10
Specialists make the policy acquisition process simple
Easy to track your claims online
Hartford’s robust network of agents and customer service representatives can assist with any questions or concerns.
They offer a range of discounts, including a discount for bundling multiple policies together.
Agent required for the purchase process
A higher coverage limit will increase your monthly premium
The Hartford is an excellent choice for summer and sports camps requiring straightforward claims tracking and a high coverage limit. However, an agent is necessary for the purchase process, and a higher coverage limit will increase your monthly premium. Here’s a quick look of what you can get from this company:
General liability- $1 million per occurrence, $2 million aggregate
Property damage-$100,000
Workers’ compensation-Varies by state
Best for: Easy claims tracking
Average cost: $25 per monthÂ
Our rating: 8/10
Customizable policies
Additional coverages available
Monthly billing option
Higher cost compared to competitors
Limited availability in some states
Tivly offers customizable policies that can be tailored to the specific needs of your summer or sports camp. Call a Tivly representative now to compare quotes over the phone. Their policies include general liability, property damage, and workers’ compensation coverage. However, they only offer a range in some states. Here’s a quick look at what you can get from this company:
General liability- $1 million per occurrence, $2 million aggregate
Property Damage-$100,000
Workers’ compensation-Varies by state
Best for: Comparing quotes over the phoneÂ
Average cost: $35 per month
Our rating: 6/10
Flexible on-demand coverage
Affordable monthly rates
Multiple coverage options
Limited coverage for property damage
No workers’ compensation coverage
Limited availability in some states
Thimble offers on-demand coverage that can be customized to meet the unique needs of summer and sports camps. Their coverage options include general liability, professional liability, errors and omissions, and cyber liability. However, they have limited coverage options for property damage and no workers’ compensation coverage. Here’s a quick look of what you can get from this company:
General liability: $1 million per occurrence, $2 million aggregate
Commercial property insurance-$25,000-$250,000
Cyber liability: $25,000 – $1 million
Best for: On-demand coverage
Average cost: $40 per monthÂ
Our rating: 8/10
Customizable coverage options
Flexible payment plans
24/7 customer service
Limited availability in some states
Some coverage options have lower limits compared to competitors
Hiscox provides customizable coverage options for summer and sports camps, including general liability, professional liability, cyber liability, and employment practices liability. While their coverage options are customizable, some have lower limits than competitors. They also have a higher average cost compared to other insurance companies. Here are some of what Hiscox offers:
General liability: $1 million per occurrence, $2 million aggregate
Professional liability: $250,000 – $2 million per occurrence
Cyber liability: $50,000 – $100,000
Employment practices liability: $250,000 – $1 million
Best for: Customizable coverage
Average cost: $50 per monthÂ
Our rating: 8/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
Not all those who wander are lost.
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