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Summer & Sports Camp Insurance: Cost & Quotes From $45/month

Table of contents
1. What Does Camp Insurance Cover?2. Sports & Summer Camp Liability Insurance2.1. General Liability Insurance for Summer and Sports Camps2.2. Professional Liability Insurance for Summer and Sports Camps3. Summer and Sports Camp Commercial Property Insurance3.1. How Much Coverage Do You Need?3.2. Does Commercial Property Insurance Cover the Belongings of the Boarders?4. Business Owner's Policy for Summer Camps4.1. What Does a BOP Cover for Sports and Summer Camps?5. Workers' Compensation Insurance for Summer Camps5.1. Do Sports and Summer Camps Need Workers’ Compensation Insurance?6. Event Insurance for Summer Camp and Sports Camp6.1. What Does Event Insurance Cover for Summer and Sports Camps?6.2. What Are the Components of Summer Camp Event Insurance?7. Commercial Auto Insurance for Summer and Sports Camps7.1. Do Summer and Sports Camps Need Commercial Auto Insurance?7.2. Are Rented Commercial Autos Covered?8. Sports and Summer Camp Travel Insurance8.1. How Much Coverage Can a Policyholder Get with Travel Insurance?8.2. Do Summer and Sports camps Need Travel Insurance?9. Overnight Summer Camp Insurance10. Day Camp Insurance11. Summer and Sports Camp Insurance Cost11.1. How Can Summer Camps Save Money on Insurance?12. Best Sports and Summer Camp Insurance Companies12.1. NEXT Summer and Sports Camp Insurance 12.1.1. Pros12.1.2. Cons12.2. CoverWallet Summer and Sports Camp Insurance 12.2.1. Pros12.2.2. Cons12.3. The Hartford Summer and Sports Camp Insurance 12.3.1. Pros12.3.2. Cons12.4. Tivly Summer and Sports Camp Insurance 12.4.1. Pros12.4.2. Cons12.5. Thimble Summer and Sports Camp Insurance 12.5.1. Pros12.5.2. Cons12.6. Hiscox Summer and Sports Camp Insurance 12.6.1. Pros12.6.2. Cons

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. 

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. 

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. 

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–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 CoverageProperty damage coverage covers damage to the camp's property, such as buildings, equipment, and supplies

  • Worker's Compensation CoverageWorker's compensation covers injuries that may occur to camp staff while on the job.

  • Event Cancellation CoverageEvent cancellation coverage provides coverage for events that may be canceled due to unforeseen circumstances

  • Travel CoverageTravel coverage covers accidents and injuries while traveling to or from the summer or sports camp


Sports & Summer Camp Liability Insurance

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:


General Liability Insurance for Summer and Sports Camps


CoverWallet NEXT (Best)Thimble HiscoxThe 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?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan 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. 


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. 


Professional Liability Insurance for Summer and Sports Camps


CoverWallet (Best)NEXT Thimble HiscoxThe 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?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedCan 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. 


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

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Summer and Sports Camp Commercial Property Insurance


CoverWalletNEXT (Best)ThimbleHiscoxThe 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 signsExcluded$2,500ExcludedIncluded$2,500
Accounts receivable ExcludedExcluded$5,000/$10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000Included$2,500
Lock and keys Excluded$2,500ExcludedIncluded$2,500
Business interruption floaterExcludedIncludedIncludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedIncludedIncluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500Excluded$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. 


How Much Coverage Do You Need?

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. 


Does Commercial Property Insurance Cover the Belongings of the Boarders?

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. 


Business Owner's Policy for Summer Camps


CoverWalletNEXT (Best)Thimble HiscoxThe 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?YesYesYesYesYes
Name additional insureds for free?YesYesYesYesYes
BOP discount?YesYesYesYesYes


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.


What Does a BOP Cover 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. 


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. Use the table above to see which insurance company offers the best workers compensation coverage in their summer camp insurance programs. 


Do Sports and Summer Camps Need Workers’ Compensation Insurance?

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.


What Does Event Insurance Cover for Summer and Sports Camps?

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.


What Are the 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-Covers the cost of treating participants who got injured because of an activity 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


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 peril


Do Summer and Sports Camps Need Commercial Auto Insurance?

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.


Are Rented Commercial Autos Covered?

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. 


Sports and Summer Camp Travel Insurance

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.


How Much Coverage Can a Policyholder Get with Travel Insurance?

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

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. 


Day Camp Insurance

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.

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Summer and Sports Camp Insurance Cost


Cost per MonthCost per YearDeductible
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 MonthCost per YearBest for
NEXT$18$216Best overall; Fastest general liability insurance for sports and summer camps
The Hartford$25$300Easy claims tracking
CoverWallet$30$360Comparing summer and sports camp insurance quotes online
Tivly$35$420Comparing quotes over the phone
Thimble$40$480On-demand coverage
Hiscox$50$600Customizable 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. 


How Can Summer Camps Save Money on Insurance?

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.

Compare Cheap Summer and Sports Camp Insurance Quotes Online

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Best Sports and Summer Camp Insurance Companies

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:


NEXT Summer and Sports Camp Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for sports and summer camps 

  • 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

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 camps 

Average cost: $18 per month 

Our rating: 10/10


CoverWallet Summer and Sports Camp Insurance

Pros

  • Convenient website

  • Multiple insurance partners

  • Compare quotes from different providers

Cons

  • 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 online 

Average cost: $30 per month 

Our rating: 10/10


The Hartford Summer and Sports Camp Insurance

Pros

  • 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.

Cons

  • 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 month 

Our rating: 8/10


Tivly Summer and Sports Camp Insurance

Pros

  • Customizable policies

  • Additional coverages available

  • Monthly billing option

Cons

  • 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 phone 

Average cost: $35 per month

Our rating: 6/10


Thimble Summer and Sports Camp Insurance

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

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 month 

Our rating: 8/10


Hiscox Summer and Sports Camp Insurance

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

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 month 

Our rating: 8/10


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