Youth Camp Insurance Coverage Checklist
The coverages a youth camp business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for resident and day camps. Priorities reflect typical exposure; confirm against location, waterfront, and activities.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability | Covers camper injuries and deaths — confirm limits reflect overnight care of children. | Core | |
| Abuse & Molestation | Covers abuse allegations involving minors — frequently excluded or sublimited; confirm the limit. | Core | |
| Umbrella / Excess Liability | Adds limits for a multi-fatality event like a flood or fire. | Core | |
| Commercial Property & Flood | Covers cabins and facilities — flood is excluded from standard property. | Core | |
| Participant Accident | Pays participants' medical bills regardless of fault, reducing lawsuits. | Prevalent | |
| Workers' Compensation | Required in most states for employees. | Core |
The coverage gap most often missed
The most commonly missed exposure for this class is catastrophe on site. The July 2025 Camp Mystic flood killed 25 campers and 2 counselors, and Texas now bars licensing camps with cabins in floodplains and requires emergency plans, weather radios, and staff training — with other states following. Camps should confirm umbrella limits sized for a multi-fatality event, move sleeping cabins out of floodplains, and drill evacuations.
Send us the checklist and we'll review your youth camp coverage line by line, then market it across multiple carriers that compete for your account.
Related: Youth Camp Insurance · Youth Camp Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a youth camp business need?
The core coverages for a youth camp business are Commercial General Liability, Abuse & Molestation, Umbrella / Excess Liability, Commercial Property & Flood, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my youth camp coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.