The activities that youth camps organize and oversee often expose these businesses to a number of liability risks, and just one incident involving a child could leave a camp financially devastated if no insurance protection is in place. Camp insurance helps protect youth camps in Massachusetts from many of the liability risks they face, and policies frequently also offer property and other protections as well.
Camp insurance is a specialized form of commercial insurance that’s designed to meet the insurance needs of youth camps. Policies are commonly written with multiple insurance coverages so that they can offer a range of protections.
There are many youth camps in Massachusetts that may benefit from some sort of camp policy. Generally speaking, any business that runs day or overnight programs for children may want the protections that these policies put in place. Some examples of such businesses include:
Any business that has specific programs for youth can speak with an insurance agent who specializes in day camp insurance and similar policies to find out whether this is an appropriate type of insurance for them.
As mentioned, most day camp insurance policies provide a number of liability protections as well as other insurance coverages.
Some of the more common liability protections are:
Some of the other coverages that camps frequently get include:
An agent who knows day camp insurance can help businesses select a mixture of coverages that adequately protects the camp and its assets.
Summer camps normally should have a robust summer camp insurance policy in place for the duration of their youth activities, and they likely don’t need to carry the same level of protection during other parts of the year when there aren’t any official camp activities. Whether camps can completely cancel their summer camp insurance during the off-season, however, depends largely on how the camp is run.
Camps that use another organization’s facilities and equipment might be able to cancel most of their summer camp insurance coverages once all activities are over for the season. If they don’t have assets to protect, maintaining only a minimal amount of protection between summers could be sufficient.
For instance, a coach that leads a two-week sports camp at their high school likely doesn’t need to carry a comprehensive list of protections all year long as long as the school owns the facilities and equipment.
In contrast, camps that own substantial assets and/or have year-round staff likely can’t cut back on their coverages as much when the season is over. They might be able to reduce some protections, but others ought to be left in place.
For help insuring a youth camp in Massachusetts, contact the independent insurance agents at The Feingold Companies. Our agents know camp insurance, and they’re ready to assist you.