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Your Guide to Summer Camp Insurance

Hosting a summer camp can be a rewarding experience for everyone involved. However, you also need to ensure that you’re protected in the event of an injury or major accident. When children are involved, there’s usually a risk of something bad happening. Summer camp insurance offers the protection and peace of mind that you need.

So, what type of insurance do you need? Here’s your ultimate guide to summer camp insurance:

What Is Summer Camp Insurance?

Summer camp insurance is a form of insurance designed to provide coverage for a variety of activities and scenarios that may occur at a summer camp.

The specific types of coverage included with a summer camp insurance policy vary depending on the insurance company and its offerings. However, most policies include general liability coverage and property insurance.

Why Do You Need Summer Camp Insurance?

Getting summer camp insurance is often necessary for a variety of reasons. Obtaining insurance may be a requirement in some areas. It also offers financial protection should an accident occur.

A wide range of potentially hazardous activities typically take place at summer camps. Sports, outdoor adventures, and swimming activities carry their own sets of risks.

If someone is injured at your campground, you could be responsible for their medical expenses and other costs related to the injury. Your insurance helps protect you in these situations. The coverage limit can cover the cost of lawsuits that arise from injuries, accidents, and other incidents involving campers, staff, or visitors.

Your insurance can also protect your camp’s physical assets. If a fire or storm damages the roof of your property, your insurance can help cover the cost of repairs or replacement.

What Does Summer Camp Insurance Cover?

Summer camp insurance generally covers accidents and damage to your property. These events are covered by your general liability coverage and property insurance. However, there are many other forms of coverage available.

Common coverage options for summer camp insurance include:

• General liability
• Property insurance
• Accident medical insurance
• Workers’ compensation
• Professional liability
• Business interruption
• Commercial auto insurance

Choosing the right summer camp insurance requires understanding the specific risks associated with your camp’s activities. You also need to consider your location and the age group of your campers. Older campers may be more prone to accidents, as they’re often more rambunctious and have a greater potential to create hazards.

Here’s a closer look at the coverage options typically available for summer camp insurance policies.

General Liability Coverage

General liability policies cover claims of bodily injury and property damage that occur at your camp. This is the main type of coverage included with most summer camp insurance policies.

Depending on the insurance company, you may receive a limit of $500,000 to $2,000,000 in general liability coverage per incident. This means that if someone suffers an injury, your general liability coverage will cover costs up to the limit of your policy.

Property Insurance

Property insurance protects your property, such as the buildings and equipment, from damage or loss due to fires, storms, or theft. Along with general liability insurance, this is one of the most essential types of coverage to get with your summer camp insurance.

Most property insurance policies cover damage due to unpreventable issues, including natural disasters. You often need to pay a deductible. However, the insurance company covers costs beyond your deductible.

Accident Medical Insurance

Accident medical insurance is a type of insurance that provides additional coverage for medical expenses if a camper is injured. It covers accidents that occur during camp activities. It also helps cover costs not covered by personal insurance. You may also find that this insurance covers accidents not covered by your general liability coverage.

Workers’ Compensation Insurance

Workers’ compensation insurance is a necessary form of coverage for summer camps with employed staff. If a staff member becomes injured, your workers’ compensation policy can help pay their medical bills.

Professional Liability Insurance

Professional liability insurance is used to cover claims related to professional misconduct or failure to perform professional duties. For example, if a parent were to file a lawsuit claiming that your camp failed to provide the experience promised, your professional liability insurance can offer protection.

Abuse and Molestation Coverage

Abuse and molestation coverage protects the camp in cases where a staff member is accused of abuse. It’s critical coverage due to the sensitive nature of working with children. Abuse is also unlikely to be covered by your general liability insurance.

Business Interruption Insurance

If your camp must close due to a covered loss, this type of insurance can help cover lost income and expenses. You can receive payment to help cover your costs during the closure, which may include paying your staff, covering utility bills, and other payments.

Commercial Auto Insurance

If your summer camp owns or operates vehicles for transporting campers or large equipment, you may need separate commercial auto insurance. Commercial auto insurance covers damages and injuries that occur when operating a commercial vehicle, such as a commercial van.

Where to Get Summer Camp Insurance

Obtaining summer camp insurance requires you to contact insurance companies or insurance brokers with commercial offerings. These companies may specialize in commercial insurance, including insurance solutions for camps and recreational organizations.

Here are three of the top companies that offer summer camp insurance:

Great American Insurance Group

The Great American Insurance Group has insurance policies designed specifically for businesses that offer youth programs and summer camps. The available policies include an inclusive package policy with property, general liability, professional liability, abuse or molestation, third-party crime, and other forms of coverage.

The Great American Insurance Group operates around the globe but is headquartered in Cincinnati, Ohio. The company has many years of experience serving businesses of all sizes.

Chalmers Camp Insurance

Chalmers Camp Insurance is another specialty insurance option with comprehensive coverage intended specifically for summer camps. Beyond basic coverage, the company offers income protection, employee benefits, voluntary benefits, staff training, and more.

Chalmers Insurance was founded over 165 years ago in Bridgton, Maine. The company now serves customers throughout the Northeast and beyond, with eight locations throughout Maine and New Hampshire.

Frazier Insurance

Frazier Insurance has over three decades of experience offering sports insurance and specialty insurance. They have worked with many camps and recreational organizations, which means that they understand the types of risks that you face.

Founded in 1990, Frazier Insurance is a trusted choice for your camp insurance needs. You can receive tailored coverage solutions at a price that you can afford.

If you run a summer camp, you’re going to need summer camp insurance. Your insurance protects you in the event that an accident happens at your campground. You can get coverage for injuries and damage to your property.

When selecting an insurance provider, it’s important to ensure that they have experience with summer camps or similar recreational organizations. You should also review the specifics of their coverage options. Make sure that their offerings match the needs of your camp.

Compare quotes from multiple insurers to find the best coverage at a reasonable price. Check the insurer’s financial stability and customer service reputation to ensure they can provide reliable support and payout claims.

Keep these details in mind as you compare coverage options, get quotes, and choose a policy for your summer camp.

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Summer Camp Insurance

Specialty insurance solutions tailored to your camp's unique needs., every summer camp experience offers something unique - make sure your camp has the liability protection it needs..

Push the limits of fun and learning at your summer camp with XINSURANCE. Our specialized insurance solutions offer the security to explore beyond boundaries, keeping you within the safety nets of comprehensive coverage.

What is Summer Camp Insurance?

Summer camp insurance is a safeguard designed to protect your camp’s operations, reputation, and financial stability against unforeseen events and liabilities. Operating a summer camp involves inherent risks—from outdoor activities to the unpredictability of nature and the well-being of campers and staff. In this environment, the importance of having liability insurance cannot be overstated. It ensures that your dedication to creating memorable and transformative summer experiences is not overshadowed by the potential for accidents or claims, which can arise despite the best precautions.

Choosing real insurance over cheap, inadequate coverage is crucial for the long-term success and security of your camp. Real insurance from a trusted partner like XINSURANCE provides not just a solution but a partnership that understands the unique challenges and joys of summer camp operations. Investing in our insurance solutions ensures your camp can weather any storm and continue to be a place where unforgettable summer memories are made.

Summer Camp Insurance: Who We Can Help

Essentially, if you are involved in organizing, managing, or running a summer camp that provides diverse activities for children or adults, we can help. We’ll provide coverage solutions to the unique amenities and activities you provide at your camp too, including:

• Guided Tours
• Rental Equipment

Outdoor Recreation

• Water Sports
• Canoeing & Kayaking
• Team Sports
• Arts & Crafts
• Rock Climbing
• White Water Rafting
• Backpacking
• Axe Throwing
• Horseback Riding

Insurance Coverage for Summer Camps

Commercial general liability.

Provides coverage for injuries and property damage sustained by third parties.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more .

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more .

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more .

*Available in most states

Alleged Assault and Battery Liability

Coverage for claims against you or staff regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you or staff regarding sexual abuse and/or molestation.

Active Shooter Liability

Liability protection in the event of an active shooting taking place on company property. Learn more .

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more .

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal that you own such as a guide dog. Learn more .

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more .

Inland Marine

Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Liquor Liability

Coverage for businesses that provide the sale, service, or furnish of alcohol at adult summer camps. Learn more .

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more .

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Special Events Liability

Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more .

How To Get A Quote

Request your quote.

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Specify Your Needs

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Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQs About Summer Camp Insurance

Can i get insurance as a summer camp counselor.

Yes, XINSURANCE can provide liability insurance solutions for summer camp counselors. You might already have an insurance policy through your employer or summer camp organizer but it is likely your policy will have gaps and exclusions that are leaving you exposed. We specialize in filling the gaps and offering coverage solutions that properly cover you.

Can I adjust my coverage as my camp grows?

Yes, we can adjust your coverage and provide new insurance solutions as your camp grows or as needs change. This can include adding new activities, increasing camper capacity, or expanding camp facilities.

Does summer camp insurance cover events like natural disasters?

Natural disasters can be a common exclusion on insurance policies, especially in high-risk areas such as Florida, California, and other coastal states. XINSURANCE, however, can provide coverage solutions for natural disasters, including floods in Florida or wildfires in California.

Why do I need summer camp insurance?

You need summer camp insurance to protect against unforeseen events and risks that come with operating a camp. These risks can range from injuries on-site to property damage and legal liabilities. Insurance helps ensure that such incidents don’t threaten the financial stability or reputation of your camp.

Is summer camp insurance legally required?

While not always legally required, having some form of insurance is generally recommended and often required by regulatory bodies or landowners from whom you lease or rent space. It’s best to check local regulations and requirements to ensure compliance.

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

How much does summer camp insurance cost?

The cost of summer camp insurance can vary widely depending on several factors, such as the size of the camp, the number of campers, the types of activities offered, and the location. It’s best to contact us and tell us more about your summer camp so we can provide a personalized quote.

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help. THIS IS INSURANCE I CAN TRUST TO PROTECT ME!

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for you is what we do best.

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service

Related Products

We provide liability insurance solutions to the outdoor recreation industry for businesses and individuals. We can help outfitters and guides, guided tours, special events, equipment rentals, and all the activities and adventures the outdoors has to offer.

Small Businesses

We can provide customized liability insurance solutions tailored to your business’s unique needs. Even if another insurance company has declined, canceled, or non-renewed your business, we can still help you!

TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.

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"Travmark insurance has given us an option for our program participants to protect their investment in program and travel fees and protection for us as program operators against the devastating impact of cancellations. It’s truly an everybody wins situation. Travmark makes the process of setup easy and is incredibly supportive and helpful throughout." Ted Spencer - Director and Founder, Blue Chip Lacrosse

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Any questions? Call us on 01494 887909

Summer Camp Insurance

Specialist Insurance for Summer Camps

Our Summer Camp Insurance covers a wide range of sporting activities to include one-off camp events for children in the summer holidays as well as recurring camp events throughout the year.

As we provide insurance for a large number of sports camps every year, we’re clear on exactly the type of protection you need when organising an event.

We appreciate that every summer camp is different, whether you’re serving food, providing overnight accommodation or coaching multiple sports, we can tailor your policy to best suit your circumstances.

Simply fill in our quote form below and we will aim to present you with a competitive quote for your Summer Camp Insurance within two working hours.

Why choose Protectivity?

Quotes bespoke to your needs.

We are committed to giving you the cover your sports business needs. That’s why we aim to provide a tailored insurance quote, within two working hours.

Excellent Claims Handing​

Should you have to make a claim our skilled claims team will ensure you are dealt with in the most sympathetic and efficient way possible.

Specialists in our Field

Having been providing insurance to the leisure markets for over 25 years, our experience account management team are always on hand to help.

Underwritten by Experts

Each policy is underwritten by leading insurer, AXA XL who cover over thousands of business all around the world.

What Insurance Do Summer Camps Need?

If you are operating a sports camp there are a number of things that you should get cover for as a priority.

Public Liability

This will cover any costs that are incurred if the camp was blamed for injury to a member of the public or for damage to their property. If that third-party decided to sue the business, your insurance would take care of the legal costs.

Equipment Cover

As a sports camp it’s likely that you will be using a variety of different things, such as balls, rackets, cones and goals. By adding equipment cover to your policy you ensure that your tools of the trade are protected against loss, damage or theft.

Professional Indemnity

Like Public Liability, having Professional Indemnity covers you if the business is blamed for property damage or injury, but it covers professional advice given by the business or it’s staff.

Employers' Liability

If you employ members of staff, it is a legal requirement to obtain Employers’ Liability. This covers the business should a member of staff blame it for injury or property damage.

I was really pleased with how my claim was settled. It gave me great confidence that Protectivity covers me when the worst happens.

Fantastic claims handling

No matter how well your business is run, accidents do happen. That’s why we aim to make these scenarios as stress-free as possible.

According to the vast majority of customers who have had to make a claim, our dedicated team deal with the situation in a manner that meets our customers’ high expectations of us.

Further information on our policy

If you have any other questions regarding our Sports Camp Insurance policy, then feel free to get in touch with our friendly team on  01494 887909 . Our phone lines are open  9am to 5:30pm, Monday to Friday. 

More information on what we can cover on this policy can be found on our FAQs page.

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Summer Camp Insurance Options

Of course, Regpack is one of the best resources for getting people registered for your camp, but what about your other specific needs? One big thing that you should be thinking about is insurance. Camp is supposed to be a time for new friends, new skills, and fun. If – perish the thought – there should be an accident or other event at your camp, how would you pay for it?

Fortunately, there are a lot of different options in the insurance industry for covering your camp, your campers, and your staff. If you don’t own the camp that your organization is using, whoever owns the camp may already have some kind of insurance. If you are renting a camp, talk to the owner to see what insurance they may already have and what insurance you may still need.

1. Property Insurance

Property insurance insures permanent structures and some other items in the event that they may be damaged or stolen. Some property insurance policies cover the entire cost of the damaged structures or items, but others will only repay a partial amount and only under certain circumstances. Because there are so many different kinds of property insurance, you should be sure to understand your policy before you begin using the camp.

If you don’t own the camp, the owner of the camp probably already has property insurance. If this is the case, talk to the camp owner to understand how the policy treats camp renters, as well as other intricacies.

2. Specialty Insurance

Specialty insurance is similar to property insurance but typically covers larger items, like watercraft. It can also cover items in events that are not typically covered under other insurance policies. If these potentially expensive items are owned by the camp it is not your responsibility to insure them. If you rent these items from a vendor, they are probably already insured. You are only likely to need this kind of insurance if your organization owns these big-ticket items.

3. Special Event Insurance

Special Event Insurance is similar to specialty insurance in that it is a very flexible term that can be used in fairly unique circumstances. This kind of insurance is good for organizations that are doing something that they don’t usually do, or don’t do often. It can be helpful because it is good at weaving in between things that are already covered by various policies and by various holders. It can also be very time-consuming and expensive to set up a policy, however, so if your camp is a main feature of your organization, it might not be right for you.

4. Personal Property Insurance

Personal Property Insurance, also called renters insurance, is similar to property insurance but does not insure fixed structures. This is another kind of insurance that the camp owner might have, but it is likely to only protect things owned by the camp. If there are any expensive items that your organization will be using at the camp, you may need this kind of insurance to protect those items. 

It is also possible that your organization already has some degree of coverage in this area. If that is the case, you should understand what coverage your organization already has before seeking additional coverage.

5. General Liability Insurance

General Liability coverage is the kind of insurance that protects an organization if an individual is injured on their grounds or during their activity. 

This is another kind of insurance that you may not need if your organization does not own the camp that it is using for its outdoor activities. The camp owner may have general liability insurance, but you should be sure that this insurance covers renters.

There’s also a possibility that your organization already has general liability insurance. The same general liability insurance that protects your organization at the office may also protect it at camp. It’s important to understand your organization’s existing general liability insurance coverage. You don’t want to pay extra for coverage you already have, but you also don’t want to assume that you have coverage in a new place.

6. Participation/Volunteer Insurance

Participant/Volunteer Insurance is similar to general liability insurance, though it doesn’t require anyone to be legally “at fault.” In the case of general liability insurance, someone needs to be found legally “at fault” in order for insurance to pay out. In the case of the camp, it is usually the organization hosting the campers or whoever owns the physical camp.

Having participant/volunteer insurance instead of general liability insurance can result in faster payouts, and can prevent costs from going up in the event of a claim.

7. Workers Compensation

Workers Compensation protects employees who are injured on the job by paying their medical bills and at least a portion of any wages that they may lose while they are injured. It also protects your organization from being sued by workers who are injured on the job.

This is a kind of insurance that you should think about regardless of whether or not your organization owns the camp that it uses. Even if the camp owner has workers compensation insurance, it won’t protect renters – only people who work directly for the organization.

However, this is another form of insurance that your organization might already have. You’ll need to be familiar with your organization’s policy to understand how it works in relation to workers away from the office, volunteers, &c. For example, if your camp is staffed by volunteers, you may not need workers compensation because volunteers don’t suffer wage loss when injured and any medical needs may already be covered by general liability insurance or participant/volunteer insurance.

8. Vehicle Liability Insurance

Vehicle Liability Insurance covers vehicles in the event of various situations or hazards. For small operations, you are likely already covered. This kind of insurance is more commonly known as “Car insurance,” and most people have some form of it already. If you get your campers to camp in cars owned by your organization, or if the campers get there on their own, you don’t need to worry about this kind of insurance.

However, if you are using a larger vehicle, like a bus, to get your campers to camp, these vehicles may require special kinds of insurance. Of course, it’s probably been taken care of already by whoever owns the bus, like a bus company, the camp, or your organization. In the end, vehicle liability insurance is more of a box that you need to check than a check you need to write. You should know that all vehicles are insured appropriately, by whom, and what that insurance covers, but it probably won’t be an additional expense.

9. Business Interruption Insurance

Business Interruption Insurance covers the profit that a business might lose in the event of some kind of disaster. If you are a non-profit organization, you may not be liable for business interruption insurance. Further, business interruption insurance may be owned by whoever owns the physical camp, but then it’s not really your business … unless you own the camp. It’s a little complicated. In short, you only need business interruption insurance for your camp if you own the camp and run it on a for-profit basis. Then, if you have insurance, you can make a claim if you can’t open the camp because of something like a flood or a fire.

10. Management Liability Insurance

Management Liability Insurance protects the managers of your organization from lawsuits in the event of mismanagement or other crimes of a corporate or criminal nature. Many organizations already have management liability insurance as part of a larger business owner’s policy, but there are also insurance companies that sell these policies to non-profits.

Your organization should have some form of management liability insurance, but there’s a good chance that it already does.

Camp Insurance Providers

The kind of insurance that you get isn’t all that matters. Going with a good insurance provider can make all of the difference. While we encourage you to shop around, these are a few providers that we may recommend.

Markel Insurance

Markel Insurance has been in the camp business for a long time. They offer a number of comprehensive packages for whatever insurance needs your organization may need to provide the best camp experience. Their website is also a great place to learn about the intricacies of camp coverage.

Trusted Choice

Trusted Choice offers a great general liability policy including bodily injury, property liability and medical payments as well as camp and staff accidental medical insurance.

K&K Insurance

K&K Insurance offers policies for activity camps, boy scouts, conference centers, day camps, leadership camps, learning camps, religious retreats, resident camps, summer camps and more. Their policies include general liability, property, and more. They “take fun seriously”!

Travmark has a great resource on the top things to know when buying summer camp insurance which is a great resource to all Camp Operators. They also offer camp accident coverage and liability insurance coverage.

Other Providers

Most major insurance companies offer some of the services mentioned above. If your organization already has some kind of insurance packages, consider talking to your current provider. It may be cheaper to insure your camp activities through the same provider that ensures other aspects of your organization.

Final Thoughts

Finding the right coverage for your organization’s camp can take a long time and involve contacting a large number of people. It’s important to have all of your documents in order well in advance to give yourself all of the time that you need to shop around with different providers to get the best option at the best price. Summer camp insurance covers all your bases, unexpected events, and possible outcomes. Whether you run a day camp, overnight camp, or a specialty camp like sports camps and technical camps, protect yourself, your campers, and your employees with the right insurance.

Asaf, Founder and CEO of Regpack, has extensive experience as an entrepreneur and investor. Asaf has built 3 successful companies to date, all with an exit plan or that have stayed in profitability and are still functional. Asaf specializes in product development for the web, team building and in bringing a company from concept to an actualized unit that is profitable.

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Summer Camp Buyers Guide - Insurance for Summer Camps

Summer Camp Buyer's Guide "Where Camp Directors Shop"

Insurance for summer camps, select a state/province close, united states, international, select an activity close, select a program type close, program types.

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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How Travel Insurance Can Protect Your Camping Trip

Travel insurance can save you from costly rental car fees.

Renting a car for your big camping trip? There are two hazards to look out for. One is getting overcharged at the rental counter, when you may feel pressured to spend a ton on optional insurance. The other is accidentally scraping or denting your rental car, then getting a huge bill for the damage.

Here’s one solution to both problems: the OneTrip Rental Car Protector from Allianz Travel Insurance. This super-affordable rental car insurance provides primary coverage for covered collision, loss and damage up to $50,000, along with trip interruption and baggage coverage, for only $11 per calendar day.

Travel insurance can be there when you really, really need some help.

If you’re an experienced camper,  you know that sometimes, things happen that you could never predict. Maybe bad weather strands you on an uninhabited island. Maybe you dropped your car keys somewhere on the trail, and the nearest Lyft is 50 miles away.

If you’re facing a situation that you just don’t know how to handle, call 24-Hour Hotline Assistance. This benefit, included with every plan from Allianz Travel Insurance, connects you with an elite team of travel experts who can help you solve all kinds of travel dilemmas. They can assist with new travel arrangements, help you replace travel documents, connect you with loved ones back home, and much more.

Make sure you download the Allyz TravelSmart app from Allianz Travel Insurance before you go. This free app lets you contact emergency assistance, manage your policy, get coverage details and file a claim, among other uses.

Wherever your wanderlust takes you, we’re right there with you. Happy trails!

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Summer & Sports Camp Insurance: Cost & Quotes From $45/month

Home › Business Insurance › Summer & Sports Camp Insurance: Cost & Quotes From $45/month

Summer and sports camps are where parents take their children to unwind and get along with other kids during the summer. Activities here such as basketball , tennis, painting, capture the flag, and bike rides help children’s development and growth. 

It’s not smart to own a summer or sports camp without having the right coverage. The kids are your responsibility while they’re on the premises. What if someone gets hit by a ball during a tennis coaching session? What if a child falls from a height while playing in the playground ? Yep, summer camps and insurance go hand-in-hand. 

Summer and sports camp insurance might be the insurance package you’re looking for. Read this guide to know what policies are included, how much premiums cost, and the best companies. 

What Does Camp Insurance Cover?

Camp insurance is a type of insurance that is specifically designed for summer and sports camps. It covers various protections, including:

Liability Coverage –Liability coverage is one of the most important types of insurance for summer and sports camps. It provides coverage for injuries or property damage at the camp

Commercial Property Damage Coverage – Property damage coverage covers damage to the camp’s property, such as buildings, equipment, and supplies

Worker’s Compensation Coverage – Worker’s compensation covers injuries that may occur to camp staff while on the job.

Event Cancellation Coverage – Event cancellation coverage provides coverage for events that may be canceled due to unforeseen circumstances

Travel Coverage – Travel coverage covers accidents and injuries while traveling to or from the summer or sports camp

Sports & Summer Camp Liability Insurance

Sports and summer camps can be a lot of fun but also have inherent risks and liabilities. Accidents can happen, from slip-and-fall injuries to equipment mishaps, exposing camp organizers to financial loss and legal action. The following types of youth camp insurance may be essential:

General Liability Insurance for Summer and Sports Camps

General liability insurance is a type of insurance that provides coverage for accidents and injuries that may occur at the camp. This will cover the medical treatment of the injured kid. This youth summer camp insurance policy can also help if someone losses a property due to an accident in your summer camp. General liability insurance can also cover attorney fees and other legal costs if parents and other concerned parties decide to sue. Use the table above to see which insurance company offers the best general liability insurance for sports camps. 

Does General Liability Insurance Only Cover Accidents and Injuries?

Aside from bodily injuries and property damage, your summer camp can also use general liability insurance to cover claims for copyright infringement, slander, libel, and related offenses filed by another business. 

Professional Liability Insurance for Summer and Sports Camps

Professional liability insurance covers errors and omissions that may occur at the camp. Particularly, you can leverage this policy if a parent or any other party decides to sue for negligence, inaccurate advice, and other related offenses. 

In What Situations Can Professional Liability Insurance Help?

Here are some situations where professional liability insurance can help:

A child sustains an injury due to the instructor’s erroneous advice during a basketball training session in your summer camp

A child gets lost while dwelling on the premises of your summer camp

Get all the best quotes from leading providers in a click of a button!

Summer and Sports Camp Commercial Property Insurance

Commercial property insurance covers the camp’s buildings, equipment, and supplies. This insurance sees to it that you can go back up and running once again even if something bad happens to your sports and summer camp facility. Use the table above to see which insurance company offers the best commercial property insurance. 

How Much Coverage Do You Need?

The coverage you need will depend on the value of your camp’s property. For example, if your summer camp facility costs $1 million, then you need a commercial property that offers the same amount. 

Does Commercial Property Insurance Cover the Belongings of the Boarders?

No. Commercial property insurance only works for your business’s belongings. The belongings of kids staying in your summer camp are excluded from this policy. 

Business Owner’s Policy for Summer Camps

A business owner’s policy is a type of insurance policy that combines general liability insurance and commercial property insurance into one package. It’s designed for small businesses and provides comprehensive coverage at an affordable price. Use the table above to see which insurance company offers the best business owner’s policy for sports and summer camps.

What Does a BOP Cover for Sports and Summer Camps?

A BOP for summer camps covers many risks, including liability and property damage. Further add-ons can be introduced to a BOP so that it also covers cyber risks and business interruption. 

Workers’ Compensation Insurance for Summer Camps

Workers’ compensation insurance covers injuries or illnesses that may occur to employees on the job. It provides compensation for medical bills, lost wages, and related expenses. Use the table above to see which insurance company offers the best workers compensation coverage in their summer camp insurance programs. 

Do Sports and Summer Camps Need Workers’ Compensation Insurance?

Sports and summer camps are required by law to provi de workers’ compensation insurance for their employees. This includes camp counselors, maintenance workers, and other staff members.

Event Insurance for Summer Camp and Sports Camp

Event insurance covers events that may be canceled or postponed due to unforeseen circumstances. This includes inclement weather, natural disasters, and other events that may be out of your control.

What Does Event Insurance Cover for Summer and Sports Camps?

Event insurance for summer and sports camps covers many risks, including event cancellation, property damage, and more. It’s designed to provide peace of mind for camp organizers and ensure that they are protected in case of unexpected events.

What Are the Components of Summer Camp Event Insurance?

Summer camp event insurance may include the following components:

Summer camp cancellation insurance- Reimburses the value of non-refundable costs if the event in your summer camp must be postponed due to rain, equipment failure, delay of the delivery of key items, or no-show of important guests/performers

Liability coverage- Takes care of medical costs and legal fees if a third party such as performers, contractors, and others gets hurt during an event in your sports and summer camps. 

Participant accident coverage- Covers the cost of treating participants who got injured because of an activity in your summer camp 

Equipment coverage- Equipment coverage allows you to reimburse the cost of damaged/lost rented speakers, displays, wires, and other important tools for the event in your sports and summer camp

Commercial Auto Insurance for Summer and Sports Camps

Commercial auto insurance can be used to cover the bus, passenger van, or any other vehicle that your summer and sports camp utilize during trips. The policy does the following on behalf of your business:

Cover the medical treatment of injured third parties who got involved in an accident caused by your sport and summer camp’s van or bus

Shoulder repair expenses if your camp’s van or bus sustained damage due to collision, weather, or any other covered peril

Do Summer and Sports Camps Need Commercial Auto Insurance?

Summer and sports camps may need commercial auto insurance if they use vehicles to transport campers, staff members, or equipment. This includes buses, vans, and other vehicles used for camp-related activities.

Are Rented Commercial Autos Covered?

No. Rented commercial autos aren’t usually covered in a commercial auto policy. Add a hired/non-owned auto liability coverage for coverage to apply. Note that aside from accidents caused by rented vehicles, hired/non-owned auto liability coverage can also grant protection if employees cause a car crash while driving their vehicles to do something for your sports and summer camp. 

Sports and Summer Camp Travel Insurance

Sports and summer camp travel insurance provides coverage for campers traveling to and from the camp. It can cover trip cancellation, lost baggage, medical expenses, and more.

How Much Coverage Can a Policyholder Get with Travel Insurance?

The coverage a policyholder can get with travel insurance for summer camp will depend on the policy and the insurance company. Here are some examples of the range that may be included:

Trip cancellation coverage up to $10,000

Medical expense coverage up to $100,000

Baggage loss coverage up to $5,000

Do Summer and Sports camps Need Travel Insurance?

Summer and sports camps may not need travel insurance if they are not responsible for arranging transportation for campers. However, if the camp is responsible for arranging transportation, they may consider purchasing travel insurance to protect campers in case of unexpec ted events.

Overnight Summer Camp Insurance

Overnight summer camp insurance provides coverage for camps that offer overnight stays. It covers many risks, including accidents and injuries during overnight activities. Policies usually included are general liability, commercial property, professional liability, and others.  The limits of the policies included in overnight camp insurance are the same as the limits of the policies included in a generic summer and sports camp insurance package. 

Day Camp Insurance

Day camp insurance grants general liability coverage with a $1 million per occurrence and $5 million aggregate limit. The insurance policy takes care of anyone associated with the activities of the day camp such as instructors, participants, and visitors. A $15,000 excess medical expense coverage is also added. Waiver of subrogation, HNOA coverage, and excess liability insurance are available as add-ons in youth day camp insurance.

Help others make better decisions

Summer and Sports Camp Insurance Cost

The average sports and summer camp insurance cost is $48 per month or $576 per year for a $1 million general liability coverage. The cost of summer camp insurance will depend on various factors, including the type of camp, the activities offered, the number of campers and staff members, and more. The table below shows how much the best insurance companies charge for a $1 million general liability insurance for summer camps:

Get a better idea of summer and sports camp insurance cost by comparing quotes. Start by clicking the “Get Quotes button on this page. 

How Can Summer Camps Save Money on Insurance?

You can save money on summer day camp insurance by reducing risk, such as implementing safety procedures, training staff members, and more. They may also be able to save money by bundling policies, such as combining general liability insurance and commercial property insurance into a Business owner’s policy.

Best Sports and Summer Camp Insurance Companies

Summer and sports camps are great for children and young adults to develop new skills, make new friends, and have fun. However, as a camp operator or organizer, it’s essential to have adequate insurance coverage to protect your business from unforeseen events. Here are some of the best sports and summer camp insurance companies that offer coverage for summer and sports camps:

NEXT Summer and Sports Camp Insurance

Best overall

Issues an online proof of insurance instantly

Fastest general liability insurance for sports and summer camps 

Great customer service and reputation

Excellent rates

Outstanding value for money

Get a 10% discount if you buy two or more policies 

If not bundling, other options may be better

NEXT offers comprehensive insurance coverage for summer and sports camps at a starting price that’s hard to beat. They offer a 25% discount for bundling different products and instant access to the insurance certificate. However, if you’re not bundling, other options may be more suitable. Here’s a quick look of what you can enjoy from NEXT:

General liability-$1 million per occurrence, $2 million aggregate

Commercial property insurance-$400,000

Workers’ compensation-Varies by state

Best for: Best overall; Fastest general liability insurance for sports and summer camps 

Average cost: $18 per month 

Our rating: 10/10

CoverWallet Summer and Sports Camp Insurance

Convenient website

Multiple insurance partners

Compare quotes from different providers

No separate employers’ liability insurance option

CoverWallet is an excellent option for summer and sports camps looking to avoid lump sum payments. They have a streamlined quote process and a great selection of insurance partners. However, their employers’ indemnity insurance is combined with workers’ compensation insurance, which may not meet requirements in some states. Here’s a summary of what CoverWallet offers:

Commercial property insurance-$50,000

Best for: Comparing summer and sports camp insurance quotes online 

Average cost: $30 per month 

The Hartford Summer and Sports Camp Insurance

Specialists make the policy acquisition process simple

Easy to track your claims online

Hartford’s robust network of agents and customer service representatives can assist with any questions or concerns.

They offer a range of discounts, including a discount for bundling multiple policies together.

Agent required for the purchase process

A higher coverage limit will increase your monthly premium

The Hartford is an excellent choice for summer and sports camps requiring straightforward claims tracking and a high coverage limit. However, an agent is necessary for the purchase process, and a higher coverage limit will increase your monthly premium. Here’s a quick look of what you can get from this company:

General liability- $1 million per occurrence, $2 million aggregate

Property damage-$100,000

Best for: Easy claims tracking

Average cost: $25 per month 

Our rating: 8/10

Tivly Summer and Sports Camp Insurance

Customizable policies

Additional coverages available

Monthly billing option

Higher cost compared to competitors

Limited availability in some states

Tivly offers customizable policies that can be tailored to the specific needs of your summer or sports camp.  Call a Tivly representative   now to compare quotes over the phone. Their policies include general liability, property damage, and workers’ compensation coverage. However, they only offer a range in some states. Here’s a quick look at what you can get from this company:

Property Damage-$100,000

Best for: Comparing quotes over the phone 

Average cost: $35 per month

Our rating: 6/10

Thimble Summer and Sports Camp Insurance

Flexible on-demand coverage

Affordable monthly rates

Multiple coverage options

Limited coverage for property damage

No workers’ compensation coverage

Thimble offers on-demand coverage that can be customized to meet the unique needs of summer and sports camps. Their coverage options include general liability, professional liability, errors and omissions, and cyber liability. However, they have limited coverage options for property damage and no workers’ compensation coverage. Here’s a quick look of what you can get from this company:

General liability: $1 million per occurrence, $2 million aggregate

Commercial property insurance-$25,000-$250,000

Cyber liability: $25,000 – $1 million

Best for: On-demand coverage

Average cost: $40 per month 

Hiscox Summer and Sports Camp Insurance

Customizable coverage options

Flexible payment plans

24/7 customer service

Some coverage options have lower limits compared to competitors

Hiscox provides customizable coverage options for summer and sports camps, including general liability, professional liability, cyber liability, and employment practices liability. While their coverage options are customizable, some have lower limits than competitors. They also have a higher average cost compared to other insurance companies. Here are some of what Hiscox offers:

Professional liability: $250,000 – $2 million per occurrence

Cyber liability: $50,000 – $100,000

Employment practices liability: $250,000 – $1 million

Best for: Customizable coverage

Average cost: $50 per month 

Recent Reviews

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For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.

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Coolest concept, I wish this was applied to other insurance products too.

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Company name: Berkshire Hathaway GUARD Insurance Companies

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S W Insuranker

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Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More

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They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!

Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!

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Highest level of plan and customer service

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Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.

Friendly Pines Camp

• (928) 445-2128
• PRESCOTT, AZ

"AN ARIZONA TRADITION..."

"...turning childhood moments into life's rich memories.", tuition insurance, september 2024.

Dear Camp Families, 

First of all, let us express our delight that you will be joining us for our 84thd season. We are working hard to make it the best ever.

We are strongly urging you to consider and purchase Tuition Insurance to protect your investment.

We are going to express this in pretty stark language. If after January 1, 2025, you cancel or decide your child cannot attend, you will lose your initial deposit. If after March 1, 2025, you cancel or decide your child cannot attend, you will lose your initial AND secondary deposit payment. If after May 1, 2025 you cancel or decide your child can not attend, you will forfeit their entire tuition payment. Friendly Pines Camp will need to hold firm to this cancellation policy. 

In order to help protect your investment in your child’s summer camp experience, we are availing a way for families to purchase camp/travel protection. Friendly Pines Camp tuition becomes non-refundable after certain deadlines, but these protection plans provide a variety of levels of coverage should you need to cancel your enrollment for a reason covered by the plan purchased. Below are your options, though there may be other products on the market worth considering. In all cases, it is important to review all plans carefully as there are certain restrictions, exclusions and limitations that apply to all insurance coverages.

What does it cost?

Information on benefits, limits, per-person rates, and important disclaimers can be found at this link and PDF: https://www.activityinsurance.com/CompareOurPlans Activity Insurance

When is the deadline to enroll in the Tuition Insurance?

• Activity Insurance Plan : You must enroll and make your payment at or before the final payment due date for your program.
• Activity Insurance Plus Plan : You must enroll and make your payment within 21 days of your initial trip deposit or payment to be eligible for the waiver of the Pre-Existing Condition Exclusion.

Can non-US residents purchase tuition insurance?

Yes, non-US residents can purchase tuition insurance through this link: https://www.uhcsafetrip.com/partner/TM/

Unfortunately, we currently cannot provide a direct link through TravMark for the non-U.S. travel insurance plan with United Healthcare. Please send your purchase confirmation to [email protected] so we can forward the details to TravMark.

Can Friendly Pines Camp answer our questions?

Short answer is NO . You should direct ALL questions directly to TravMark at 1 (877) 500-1556.

How do I enroll in Tuition Insurance?

• Follow the link: https://quote.activityinsurance.com/your-trip/?agentCode=TRA62&campaignId=61 to enter your program information, choose the insurance plan that best suits your needs, and complete the purchase.
• After purchasing, send a confirmation of your enrollment to [email protected] .

If you are interested in Cancel For Any Reason (CFAR) option, be sure to purchase the Activity Insurance Plus Plan within 21 days of your initial deposit payment; it is completely optional and has certain associated terms & conditions that you should make yourself aware of! 

STEP 1: Enrolling

Review plan information for all terms, conditions and exclusions, and buy your coverage using this link: https://quote.activityinsurance.com/your-trip?agentCode=TRA62&campaignId=61

STEP 2: Confirmation

Email your purchase confirmation to [email protected] .

Activity Insurance & Activity Insurance Plus Plan Documents

Information on benefits, limits, per-person rates, and important disclaimers can be found at the following links: 

• 2025 Activity Insurance Plans Details
• 2025 Activity Insurance Plans Document

CANCEL FOR ANY REASON (CFAR) PLAN

Cancel For Any Reason benefit that allows you to cancel your Program for any reason provided you purchase this plan within 21 days of the date your initial payment or deposit for your program is received and you cancel your program up to 2 (two) days before your scheduled Departure Date of your program.

If You cancel Your Program for any reason not otherwise covered by this Plan, (CFAR) benefits provide reimbursement up to 75% of the Prepaid, forfeited, non-refundable Payment or Deposits You paid for Your Program.

Please Note: The Cancel For Any Reason Benefit is applicable to all prepaid non-refundable insured program costs.

NATURAL DISASTER EVACUATION

We will pay, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for all reasonable Natural Disaster Evacuation expenses and Related Costs incurred for Your transportation, if You must interrupt Your Program for a covered Natural Disaster Event and while traveling outside Your Home Country.

The Natural Disaster Evacuation must occur within 14 days of the Natural Disaster Event, and the arrangements will be by the most appropriate and by most efficient, practical and economical means available and consistent with Your health and safety.

Following the Natural Disaster Evacuation and when safety allows, We will pay for one-way economy transportation and Related Costs to return You to one of the following locations as chosen by You:

a. back to Your Home Country; or b. back to Your Return Destination; or c. to the Nearest Place of Safety necessary to ensure Yours safety and well-being as determined by Us or Our designated Travel Assistance Services Provider.

NATURAL DISASTER EVACUATION COVERAGE DEFINITIONS

Natural Disaster Evacuation means Your extraction from or within the Host Country due to a Natural Disaster Event that results in You being placed in imminent physical danger

Natural Disaster Event results in such severe and widespread damage that the area of damage is officially declared a disaster area by the appropriate local government authorities of the Host Country, and the area is deemed to be Uninhabitable or dangerous.

Trip Cancellation coverage is not valid if the program operator/travel supplier/camp does not operate for any reason.

The failure of a program operator/travel supplier/camp to provide bargained for travel arrangements is not a covered reason for trip cancellation coverage. rather, if your program operator/travel supplier/camp cancels your trip, the trip cancellation coverage can only reimburse the reissue fee charged by the airline for the tickets..

This advertisement contains highlights of the plans developed by Travmark.com, Inc., which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401et al, and non-insurance Travel Assistance Services provided by On Call International. The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travmark.com, Inc. 1 Hollywood Avenue #24B Ho Ho Kus, NJ 07423 CA License# 0I96377. While Travmark.com, Inc. markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by Travmark.com, Inc., and Travmark.com, Inc. does not receive compensation from USF for providing the non-insurance components of the plans.

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7 Best Cheap Travel Insurance Companies in July 2024

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Finding the cheapest travel insurance is often a priority for travelers hoping to protect themselves and their finances while away from home.

But is it better to err on the side of affordable travel insurance or opt for a more comprehensive plan? That depends on your needs .

On average, a comprehensive plan that covers some combination of trip cancellation and interruption costs, medical coverage and baggage protection (and perhaps a number of other things) will cost you 5%-10% of what you paid for the trip, according to NerdWallet partner Squaremouth, a travel insurance marketplace.

That means a comprehensive policy for a trip that costs you $3,000 could run you anywhere between $150 and $300. Factors like the cost and length of your trip, the age of the travelers and how much protection you want can significantly influence what you pay for your plan.

Ultimately, Squaremouth recommends “the least expensive policy that offers the coverage [travelers] need.”

» Learn more: The best travel insurance companies right now

Factors we considered when picking cheap travel insurance plans

We considered a few factors as we looked for the most affordable travel insurance plans.

Price: If your goal is to find cheaper travel insurance, you want the price to be affordable.

Breadth of coverage: The best budget travel insurance is typically going to be a plan that offers a wide range of protections at an affordable cost, ensuring you’re protected with at least some coverage for a wide range of scenarios.

Uniqueness or customizability : While many travel insurance plans have similar protections, some stand out for particular coverage that can be helpful to certain travelers, like those needing to Cancel For Any Reason , those going on a cruise, or travelers with preexisting health conditions. We didn’t spring for the priciest plans with broad, deep coverage; instead, we picked those that meet a sort of budget "sweet spot" when it comes to cost efficiency.

» Learn more: Is travel insurance worth getting?

An overview of the best cheap travel insurance plans

We looked at travel insurance quotes for a hypothetical 10-day trip to Italy in October 2023. The traveler is a 40-year-old man living in North Carolina who spent $2,000 on the trip, including airfare.

Reliable but cheap travel insurance providers

1. axa assistance usa (silver plan: $70).

Why we picked it:

The $500 missed connection benefit is great for cruise and tour participants. It covers additional transportation, accommodations and meal costs when you miss a cruise or tour departure.

Full trip cancellation and interruption coverage, along with up to $25,000 for out-of-pocket medical costs and baggage coverage.

Among the lowest prices we found.

If you’re willing to spend a bit more than AXA's $70 Silver plan, a Gold plan only costs $19 more and gets you deeper coverage amounts and up to $35,000 in collision rental car insurance.

2. Berkshire Hathaway Travel Protection (ExactCare Value plan: $56)

Cheapest plan we found while still offering a wide array of protections.

Includes a preexisting medical condition waiver.

Add-on rental car collision coverage optional for $10 per day. You can pick how many days you want the additional coverage — it’s not all or nothing.

At $56, this plan comes in at less than 3% of the $2,000 trip cost.

3. IMG (iTravelInsured Lite plan: $77)

Treats COVID-19 like any other illness, which is to say, if your claim accepts flu, strep throat or appendicitis as an acceptable, covered condition, the coronavirus is, too.

Covers costs related to trip interruption up to 125% 

Higher than normal limits on dental expenses, at $1,000. If your teeth are your Achilles heel (or your biggest fear), this plan might be for you.

The iTravelInsured Lite plan doesn’t offer some of the bells and whistles that other plans do, like rental car coverage , Cancel For Any Reason coverage or waivers for pre-existing conditions. But you’ll have relatively solid across-the-board trip protections.

4. John Hancock (Silver plan: $93 for a mid-tier plan)

Mid-level plan (as opposed to a basic plan) at an affordable price for travelers who want more coverage without paying too much.

Includes an optional Cancel For Any Reason add-on for travelers wanting flexibility. It is a bit pricey, at half the cost of the insurance ($46.50 extra for a $93 plan).

Reimburses up to $1,000 for lost baggage , far more than many basic plans.

Add-on rental car coverage for $9 per day.

At $88, John Hancock’s basic (Bronze) plan isn’t particularly affordable. But for just $4 extra, you can tap into the benefits of a mid-tier plan at still less than 5% of the total trip cost.

5. Nationwide (Essential plan: $76)

Includes a preexisting conditions waiver.

Add-on rental car coverage for $90. 

Covers trip interruption at 125% of the trip cost while providing comprehensive emergency medical and baggage coverage.

6. Seven Corners (Basic plan: $75)

On top of standard trip protections, it includes a relatively affordable Cancel For Any Reason option for $31.50 extra.

If you plan to rent expensive sporting equipment, you might consider paying $10 extra to cover lost, damaged, stolen or destroyed gear.

COVID-19 coverage reimburses you for costs incurred if you have to quarantine .

Rental car coverage comes in at an affordable $7 per day.

Seven Corners’ Basic plan stands out because it offers a little bit of everything, appealing to athletic travelers, those who need affordable trip protections, those who want the flexibility to cancel for any reason and those still concerned about getting quarantined due to COVID-19.

7. Travelex Insurance Services (Basic plan: $71)

Straightforward: What you see is what you get. This plan’s coverage has fewer rules and caveats than many. 

While not sporting the highest coverage amounts, it offers a solid range of protections to ensure you get at least something back when your travel is disrupted or you have a medical emergency.

Offers add-on rental car coverage for $10 per day.

At $71, the Travelex Basic plan’s cost is just over 3% of the $2,000 trip’s cost.

If you want to get travel insurance at the cheapest possible rate, here’s a trick. Put $0 as your trip cost, Stan Stanberg, co-founder of comparison site Travelinsurance.com said in an email.

“When excluding trip cancellation and trip interruption coverage the cost of a travel insurance plan goes down significantly,” Stanberg said.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical, trip delay , missed connection, baggage and other protections.

You’ll often find comprehensive travel insurance plans cost 5%-10% of your total trip cost, according to Squaremouth. This will often get you full trip cancellation and trip protection, baggage protection, emergency medical coverage and often other benefits.

Typically, the more you pay, the broader and deeper the coverage.

For many plans, you can purchase travel insurance up until you depart. However, to get access to the most protections possible, booking two days to two weeks after making your initial deposit is the best rule of thumb.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical,

, missed connection, baggage and other protections.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Camp Insurance

No matter what kind of camp you run, it must be protected against losses related to lawsuits, equipment failure, accidents, and more.

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.

Camps are a great opportunity for kids and adults alike to get out of the house, explore, learn, and have fun. But as the camp owner or director, you have to consider the risks that come along with the trade. Camp owners can face lawsuits, property damage, theft, and other disasters that can lead to hefty losses. That's why having the right camp insurance is critical.

Luckily, an independent insurance agent can help you get set up with the right kind of camp insurance. They'll get your specific camp matched to all the coverage it needs. Until then, here's a breakdown of camp insurance, what it covers, why it's necessary, and more.

Top Liability Risks for Camps

Unfortunately, camps aren't immune to many different kinds of lawsuits. No matter what kind of camp you run, you likely have the following major liability risks to consider:

• Premises liability:  Camp owners have a responsibility to review their activities and inspect their grounds and facilities to reduce the risk of injuries to the campers, staff, and visitors. 
• Failure to perform background checks:  Camp owners must conduct background checks on their employees, volunteers, and counselors. If they don’t, they can be held liable for any harmful acts committed to third parties during the program.
• Risk of injuries:  Camp owners can be held responsible for camper injuries during high-risk activities like football or jousting, even if a waiver was signed.

Just one unexpected lawsuit could set your camp back thousands of dollars or even more without the proper protection. That's why the liability coverage provided by camp insurance is essential.

Who Needs Camp Insurance?

Pretty much any kind of camp can benefit from having camp insurance, which is a special form of business insurance . However, depending on the specific activities and conditions present at your unique camp, your coverage needs can vary. You likely need at least some form of camp insurance if you own or run any of the following:

• Scout camps
• Summer camps
• Youth sports camps
• Sports camps
• Conference centers
• Travel or adventure camps
• Boys & Girls Clubs
• Campfire USA camps
• Resident camps
• Special needs camps

An independent insurance agent can help you identify the risks present in your specific camp and get you matched to a policy that addresses any potential losses.

What Does Camp Insurance Cover?

Camp insurance is designed to protect you from a number of angles. Whether you run a summer camp, band camp, youth sports camp, or scout camp, it must be covered against liability, property damage, theft, and much more. A complete camp insurance policy is likely to include the following types of coverage:

• General liability insurance: Covers costs associated with lawsuits arising from third-party claims of injuries or property damage caused by or at your camp.
• Commercial property insurance: Covers the cost of lost, stolen, damaged, or destroyed camp property, including buildings and equipment.
• Premises liability insurance:  Pays medical expenses and lawsuit costs stemming from third parties who get injured or suffer property damage on your campgrounds due to unsafe premises. 
• Equipment breakdown insurance: Covers the cost of repairs or replacements to camp equipment and machinery that breaks down due to a covered cause, as well as lost income during necessary operations suspensions. 
• Loss of income insurance:  Replaces lost income and pays continued expenses such as employee wages if your camp operations are suspended due to a covered loss like extensive fire damage.
• Commercial vehicle insurance:  Covers cars, buses, trucks, or other camp vehicles used for business purposes against costs associated with theft, accidents, lawsuits, and more.
• Workers' compensation insurance:  Covers your camp employees if they get injured, ill, or die as a result of job-related activities, including paying for medical treatments and a portion of lost wages if the employee cannot return to work.
• Professional liability insurance: Reimburses you for costs associated with lawsuits stemming from third-party claims of harm caused by professional services provided by your camp.
• Inland marine insurance: Pays to repair or replace stolen, damaged, lost, or destroyed camp property if an incident occurs while it's in transit.
• Cyber liability insurance: Reimburses you for costs associated with incidents of data breaches or cyber-attacks that may expose, sell, or distribute private or sensitive data.
• Crime insurance: Pays for losses associated with acts of crime against your camp, including those committed by employees.
• Employment practices liability insurance: Reimburses you for the cost of lawsuits stemming from camp employee claims of discrimination, sexual harassment, wrongful termination, etc.
• Hired or non-owner car insurance: Covers costs related to incidents involving camp employees' personal vehicles used for camp-related activities. 
• Umbrella insurance: Extends your camp's existing liability insurance to limits of $1 million or greater to help pay for hefty lawsuits.

An independent insurance agent can help you assemble a complete camp insurance policy based on the risks of your specific programs, etc.

Accidental Medical Insurance for Campers and Staff

Accidents often happen at camp, but an accidental medical group insurance policy can provide medical care compensation if necessary. Group accidental medical coverage usually covers injuries or illnesses that happen while at camp or those that start at camp and continue for some time. 

Some policies also cover dental injuries. This coverage normally comes packaged either as primary medical coverage or as a policy that pays excess benefits for those already insured by individual personal insurance. 

Primary medical coverage

• Necessary for groups that may not already have accident or health insurance
• Pays claims first after an accident
• Pays covered claims even if you have other insurance

Excess medical coverage

• Generally covers personal plan deductibles, coinsurance, or expenses left over after your personal plan pays claims
• Applicable to groups who are already covered by other insurance
• Offers payouts even after your personal coverage pays for a claim
• Coverage is not as extensive as personal insurance

With an accidental medical policy, you can choose to cover staff and campers or just campers. Typically, this insurance covers all sponsored and supported activities of the camp and travel to and from camp activities unless otherwise excluded from your policy.

How Much Does Camp Insurance Cost?

The cost of camp insurance can vary as considerably as the type of camp in question. Typically, the cost of coverage can depend on:

• The type of camp
• The location and size of the camp
• The number of camp attendees
• The number of camp employees, staff, and volunteers
• The activities present at your camp
• Specific potential risks at your camp, such as pools, lakes, or trampolines
• Your camp's prior claims history

Regardless of what type of camp you run, an independent insurance agent can help you find the most affordable camp insurance near you.

Save on Business Insurance

Our independent agents shop around to find you the best coverage.

The Benefits of Working With an Independent Insurance Agent

Independent insurance agents aren’t tied to one carrier, so they can shop around and present multiple policy options and quotes. They’ll walk you through everything you need to know about finding the right camp insurance coverage at a great rate. Plus, if an accident happens, your agent can handle the entire claim process for you and deal with the carrier so you can focus on running your camp. 

https://www.kandkinsurance.com/programs/camp-campground-insurance/camp-insurance

https://www.frazierinsurance.com/campinsurance

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Travel Insurance

IENA’s travel insurance policy offers $50 deductibles and includes up to $500,000 in medical coverage including hospitalization, repatriation of remains and emergency medical evacuation.

Travel Insurance Premiums

(Number of Months / Premium):

• 3 months / $240.00
• 4 months / $290.00
• 5 months / $340.00
• 6 months / $390.00
• 7 months / $440.00
• 8 months / $490.00
• 9 months / $540.00
• 10 months / $590.00
• 11 months / $640.00
• 12 months / $690.00

To view full policy details, click here

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Working Holiday Travel Insurance

As part of traveling with us here at BUNAC, we require every traveler to have adequate travel insurance. Having comprehensive insurance that is designed for your adventure will not only put your mind at ease, but it could save you money too as you can have peace of mind that you are completely covered for the activities you will undertake!

UK Resident Participants

We understand your adventures aren’t the typical two weeks on the beach and so we’ve teamed up with Go Walkabout Insurance to create a bespoke insurance policy that covers everything you'll need for your work abroad adventure. Whether you’re surfing in Australia or skiing in Canada, we’ve got you covered, and it couldn’t be easier to organize.

Get a Quote for your adventure now. 

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For all non-UK passport holders engaged in the Intern Britain program, we have partnered with Global Secutive to offer comprehensive medical insurance, with the option to add on baggage and trip cancellation cover.

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Vandal Youth Programs

Katie Doman

Physical Address: 1000 Paradise Creek St. Moscow, ID 83844

Mailing Address: 875 Perimeter Dr. MS 1230 Moscow, ID 83844-1230

Phone: 208-885-7057

Email: [email protected]

Recreation and Wellbeing is home to a variety of youth camps and programs for kids of all ages. Our youth camps and youth climbing team emphasize developing healthy lifestyles through participation in physical activities.

Vandal Kids Camp

Our action-packed and exciting full day summer camps are a safe environment for kids ages 6-11.

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An after-school athletic options for kids and teens ages 11-17 focused on physical, emotional, and intellectual growth based on principles of climbing.