YOUTH DAY & SPORTS CAMP

Youth Day & Sports Camp Insurance

Protecting participants, staff, and safe program environments

Youth day and sports camps are responsible for the supervision, safety, and well-being of children during structured activities, training, and events. With active programming, transportation exposure, and temporary staff, camps face a unique combination of operational and liability risks.

A properly structured insurance program is essential to protecting participants, staff, leadership, and organizational continuity.

Key Risks in Youth Camp Operations

Youth camps face exposure related to:

• Participant injuries during sports or activities

• Allegations of inadequate supervision

• Abuse or molestation claims

• Transportation-related incidents

• Premises liability at camp facilities

• Volunteer and seasonal staff exposure

Claims can arise even when safety protocols are followed.

Core Coverages for Youth Day & Sports Camps

Youth camp insurance programs typically include:

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

Abuse & Molestation Liability
Provides coverage for allegations of abuse or improper conduct, including defense costs.

Participant Accident Medical
Offers limited medical benefits for injured participants regardless of fault.

Workers’ Compensation
Provides statutory benefits for staff injured on the job and protects camp operators from workplace injury claims.

Commercial Auto (when applicable)
Covers transportation-related exposure for owned, hired, or non-owned vehicles.

What’s Commonly Overlooked

Youth camp insurance programs are often weakened by:

• Missing or insufficient abuse & molestation coverage

• Overreliance on waivers without adequate insurance

• Inadequate participant accident limits

• Failure to account for transportation exposure

• Gaps in coverage for off-site or overnight activities

These issues often surface after serious injuries or allegations.

Real-World Claim Examples

• A child is injured during a sports activity

• A transportation incident occurs during a field trip

• An allegation of improper supervision triggers legal defense

• A participant is injured due to equipment failure

Youth-related claims often involve heightened scrutiny and emotional impact.

Why Proper Placement Matters

Youth camp coverage varies significantly based on:

• Age groups served

• Type of activities offered

• Staff-to-participant ratios

• Duration and location of programs

Improper placement can result in denied claims or regulatory issues.

Our Approach

At Cory Washington & Co., we approach youth camp insurance with a safety-first and accountability-driven mindset. We align coverage with program design, supervision standards, and operational realities — helping organizations create safe, trusted environments.

When youth are involved, protection must be deliberate and comprehensive.