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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.
Camp insurance is a type of insurance that is specifically designed for summer and sports camps. It covers various protections, including:
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:
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 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 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.
Summer camp event insurance may include the following components:
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 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:
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:
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 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 |
Average cost: $18 per month
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
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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
Average cost: $35 per month
Thimble offers on-demand coverage that can be customized to meet the unique needs of summer and sports camps.
Average cost: $40 per month
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
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