Why Sport Camp Insurance Is Absolutely Necessary

Every summer, parents send kids to sports camps all over the country, entrusting their kid’s safety to the care of others. However, when children are participating in sports, they are at a risk for injury, regardless of how many precautions a sport camp takes. This makes it important for a camp to purchase the right amount of sport camp insurance to protect the campers and itself.

Injury Liability

Even if a sport camp takes every precaution to avoid injuries, including proper exercise, grouping campers by skill level and providing appropriate supervision, accidents do happen. If the insurance policies the camp has in place aren’t adequate to cover these accidents, the camp is held liable for the costs and can be forced to pay any and all expenses out of pocket. Purchasing liability insurance can provide the coverage a camp needs to pay for any injuries that occur during the course of the camp.

Protect Your Camp

If you’re the owner or operator of a sports camp, being able to help kids learn new skills is probably very important to you and without the right accident insurance you’re putting that camp at risk. Without the proper insurance coverage, the parents of injured children may sue your camp for compensation for the injuries. The sad part is, if you don’t have insurance to cover the expenses you’ll have to pay for them out of your own resources and if that doesn’t cover it, you can easily lose your camp.

Other Coverage

In addition to covering injuries due to sports accidents, a sport camp, especially a long-term one, will need other types of insurance to protect itself. Other insurances a sport camp may want to consider include:

Property Liability
Sexual Misconduct
General Liability
Employer’s Liability

Each type of insurance covers different situations that may arise. Sitting down with an insurance agent who is an expert with sport camp insurance will ensure you have all the coverage you need for your camp.

Policy Types

When it comes to coverage for your sport camp, you need to make sure you get the type of insurance that is right for your type of camp. Having the right type of insurance helps you make sure you have the coverage you need when you need it. For instance, a day camp that teaches sports will need less coverage than one that requires campers to spend the night for a week at a time or more. A professional agent will go over all the different policies that are available so you can feel confident you have all your bases covered for your camp.

Ensuring you have the sport camp insurance you need is important to the viability of your camp. Without it, you put yourself at risk for being sued by parents of injured campers and even losing the camp you worked so hard to build.