Summer & Sports Camp Insurance: Cost & Quotes

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Updated: March 27, 2025 . 8 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

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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, and bike rides help children’s development and growth. 

What if a child falls from a height while playing in the playground? Summer and sports camp insurance might be the insurance package that will come in handy. This guide to know what policies are included, how much premiums cost, and the best companies. 

What Does Camp Insurance Cover?

Camp insurance is a type of insurance that is specifically designed for summer and sports camps. It covers various protections, including:

  • Liability Coverage–It provides coverage for injuries or property damage at the camp, including specific programs such as basketball camp insurance to cover sport-related incidents during basketball training sessions
  • Commercial Property Damage Coverage– covers damage to the camp’s property, such as buildings, equipment, and supplies
  • Worker’s Compensation Coverage–covers injuries that may occur to camp staff while on the job.
  • Event Cancellation Coverage– provides coverage for events that may be canceled due to unforeseen circumstances
  • Travel Coverage–covers accidents and injuries while traveling to or from the summer or sports camp

Sports & Summer Camp Liability Insurance

Sports and summer camps, especially contact sports like football camp insurance, come with inherent risks and liabilities, making this coverage essential for managing potential accidents during high-contact drills. 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 sports camp insurance may be essential:

 

General Liability Insurance for Summer and Sports Camps

Liability insurance for sports camps provides coverage for accidents and injuries that may occur at the camp, protecting camp organizers from financial loss due to injury claims or property damage. This will cover the medical treatment of the injured kid. This youth summer camp insurance policy, such as soccer camp insurance, can also help if someone loses property or sustains injuries during soccer drills or training sessions.

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

Workers’ Compensation Insurance for Summer Camps

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.

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 for Summer Camp and Sports Camp

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.

Components of Summer Camp Event Insurance

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. 
  • Participant accident coverage-Baseball camp insurance covers the cost of treating participants who may get injured during a game or practice session in your summer camp.
  • 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

Summer and Sports Camp Commercial Property Insurance

Commercial property insurance covers the camp’s buildings, equipment, and supplies. 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. 

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

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Commercial Auto Insurance for Summer and Sports Camps

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 risks.

Sports and Summer Camp Travel Insurance

Summer camp insurance for parents offers peace of mind by covering campers traveling to and from the camp, ensuring that travel accidents, lost baggage, or trip cancellations are handled without additional stress. 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

Overnight Summer Camp Insurance

Overnight summer camp insurance provides coverage for camps that offer overnight stays. It covers many risks, including accidents and injuries during overnight activities.  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. 

Day Camp Insurance

Day camp insurance grants general liability coverage with a $1 million per occurrence and $5 million aggregate limit. 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.

Summer and Sports Camp Insurance Cost

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.

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

Rank and Review Insurance Companies

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Best Sports and Summer Camp Insurance Companies

NEXT 

NEXT offers comprehensive insurance coverage for summer and sports camps.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. 

Average cost: $18 per month 

Our rating: 10/10

Pros

  • Best overall
  • Issues an online proof of insurance instantly
  • Great customer service and reputation
  • Excellent rates
  • Outstanding value for money
  • Get a 10% discount if you buy two or more policies 

Cons

  • If not bundling, other options may be better

CoverWallet 

CoverWallet is an excellent option for summer and sports camps.They have a streamlined quote process and a great selection of insurance partners.

Average cost: $30 per month 

Our rating: 10/10

Pros

  • Convenient website
  • Multiple insurance partners
  • Compare quotes from different providers

Cons

  • No separate employers’ liability insurance option

Compare Cheap Summer and Sports Camp Insurance Quotes Online

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The Hartford 

The Hartford is an excellent choice for summer and sports camps requiring straightforward claims tracking and a high coverage limit. 

Average cost: $25 per month 

Our rating: 8/10

Pros

  • Specialists make the policy acquisition process simple
  • Easy to track your claims online
  • They offer a range of discounts, including a discount for bundling multiple policies together.

Cons

  • Agent required for the purchase process
  • A higher coverage limit will increase your monthly premium

Tivly

Tivly offers customizable policies that can be tailored to the specific needs of your summer or sports camp. 

Average cost: $35 per month

Our rating: 6/10

Pros

  • Customizable policies
  • Additional coverages available
  • Monthly billing option

Cons

  • Higher cost compared to competitors
  • Limited availability in some states

Thimble

Thimble offers on-demand coverage that can be customized to meet the unique needs of summer and sports camps. 

Average cost: $40 per month 

Our rating: 8/10

Pros

  • Flexible on-demand coverage
  • Affordable monthly rates
  • Multiple coverage options

Cons

  • Limited coverage for property damage
  • No workers’ compensation coverage
  • Limited availability in some states

Hiscox 

Hiscox provides customizable coverage options for summer and sports camps. They also have a higher average cost compared to other insurance companies. 

Average cost: $50 per month 

Our rating: 8/10

Pros

  • Customizable coverage options
  • Flexible payment plans
  • 24/7 customer service

Cons

  • Limited availability in some states
  • Some coverage options have lower limits compared to competitors

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

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