Camps are a wonderful, bright part of summer that makes great memories for everyone, but there are also many risks.

You need Camps General Liability Insurance. As the owner or director of a camp, you have to make sure everyone is protected and you must also safeguard your own interests and protect yourself from possible lawsuits. Camps General Liability Insurance is a must.

Camps General Liability Insurance will supply protection from many of the legal risks you may confront, as well as the cost of any accidental injuries that may occur to campers or staff. If your camp is also your business, you must make sure the risks associated with the business operations of the camp are also covered. This includes exposure to property damage claims, participant accident liability, and potential incidents involving equipment or facilities.

• Camp owners have some responsibility for camper injuries
• Camp owners and directors must check and approve all activities and inspect the safety of facilities to decrease the risk of injuries.
• Camp owners are charged with the obligation to perform background checks on employees, volunteers, or counselors to reduce the risk of child and sexual abuse.

Camps General Liability Insurance covers:

• employee misconduct or negligence
• the costs of accidental injuries
• medical coverage
• property damage
• injuries and sicknesses
• business interruption
• medical compensation
• all activities of the camp and travel to and from camp activities
• Replaces your income if your camp operations are interrupted for a covered loss; and also covers employees.
• Covers your vehicles used for business purposes; including liability and property damage protections

In addition to protecting against bodily injury and facility damage, this insurance can also help manage transportation risks and exposures related to commercial auto use. For example, if a staff-driven van is involved in an accident en route to an off-site activity, commercial auto coverage under your policy may respond to both property and liability claims. Organizations such as youth summer camps, church camps, and travel camps often seek this coverage to meet risk management standards and ensure smooth operations. If your camp includes off-site excursions or athletic programs, you might also consider specialized protections like participant accident insurance or sports camp liability insurance. Learn more about these options by visiting resources such as Camps Participant Accident Insurance and General Liability for Sports Camps and Clinics.

Frequently Asked Questions

What types of incidents are typically covered under Camps General Liability Insurance?

This insurance usually covers third-party bodily injury, property damage, employee negligence, and some legal defense costs.

Is transportation to camp activities covered?

Yes, many policies include coverage for travel to and from official camp events, including commercial auto liability if applicable.

Does Camps General Liability Insurance cover volunteers?

Volunteers may be covered under general liability, but confirm with your insurer whether they are included or require separate coverage.

Is background screening of staff a requirement for coverage?

While not always required by the insurer, many carriers strongly recommend or expect background checks as a risk management measure.

What other policies should camp operators consider?

Depending on your operations, you might also need property insurance, abuse and molestation coverage, and participant accident insurance.

Still have questions? Talk to a local insurance expert.