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.
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.
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.
| 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.
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.
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.
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.
| 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.
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.
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.
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 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.
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.
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.
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 camps
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
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
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 online
Average cost: $30 per month
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 month
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 phone
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 month
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 month
Our rating: 8/10
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
Not all those who wander are lost.
Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.
