Youth Camp Insurance

Youth Camp Insurance

Protecting campers, staff, and supervised activities

Youth camps face significant responsibility for the safety of children, staff, and volunteers during daily activities, trips, and events. Whether operating a day camp, sports camp, summer camp, or specialty program, camps must manage risks involving supervision, physical activity, transportation, and overnight care. Even with strong safety procedures, injuries or allegations can arise from routine camp operations.

Properly structured insurance helps protect the camp, its staff, and the families who trust you with their children.

Key Risks in Youth Camp Operations

Youth camps face exposure related to:

• Camper injuries during activities

• Supervision or negligence claims

• Abuse or misconduct allegations

• Transportation accidents

• Property damage or facility loss

• Staff or volunteer actions

• Event and excursion liability

Claims can arise even when safety rules are followed.

Core Coverages for Youth Camps

Youth Camp insurance programs typically include:

General Liability
Protects against bodily injury and property damage claims involving campers, parents, or visitors.

Sexual Abuse & Molestation Liability
Protects against allegations involving staff, volunteers, or campers.

Participant Accident Coverage
Provides limited medical coverage for injuries sustained during camp activities.

Commercial Property
Covers buildings, equipment, and camp property against covered physical loss.

Workers Compensation
Provides coverage for employee injuries as required by law.

Commercial Auto (when applicable)
Covers vehicles used to transport campers or staff.

Umbrella / Excess Liability
Provides additional limits for severe or multi-claim situations.

What’s Commonly Overlooked

Youth camp insurance programs are often weakened by:

• Missing abuse or molestation coverage

• No participant accident coverage

• Inadequate liability limits

• Failure to cover volunteers

• Missing transportation coverage

• Underinsured buildings or equipment

These issues often appear only after a claim occurs.

Real-World Claim Examples

• A camper is injured during sports or recreation

• An allegation is made against a counselor

• A vehicle accident occurs during transportation

• Fire damages part of the camp facility

• A parent files a negligence claim

Even one incident can threaten the operation of the camp.

Why Proper Placement Matters

Youth Camp coverage varies significantly based on:

• Type of camp program

• Age of participants

• Overnight vs day camp

• Number of staff and volunteers

• Activities offered

• State licensing rules

Improper placement can lead to uncovered claims or licensing issues.

Our Approach

At Cory Washington & Co., we structure youth camp insurance programs based on the activities you offer, the number of campers you serve, and the level of supervision required. We coordinate liability, abuse coverage, accident protection, and property coverage to ensure your program is protected from the real risks of working with youth.

When families trust you with their children, the right protection matters.