"Adventure Awaits. Safety Assured."
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.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.