Affordable insurance starts with an easy quote
Summer Camp Insurance is specialized protection built for organizations that serve youth in recreational settings. Unlike generic nonprofit policies, summer camp insurance addresses the unique risks of supervising children—from activity injuries and transportation accidents to abuse allegations.
Most camp operators focus on programming, assuming their basic policy covers everything. The reality? Youth programs face heightened liability exposure, and many states require specific insurance coverage before issuing camp licenses. A camper injury during an adventure activity can generate claims exceeding $100,000 in medical costs and lawsuits. Abuse allegations—even unfounded ones—can cost $50,000+ in legal defense alone, devastate your reputation, and end your camp. Proper “General Liability,” “Participant Accident,” and “Abuse & Molestation” coverage aren’t optional—they’re required for responsible camp operations. For permanent campground facilities, see our campsite insurance for year-round property and operations coverage.
A “one-size-fits-all” policy doesn’t work because a day camp faces different risks than an overnight residential camp or a specialty program. We match your specific camp model and risk profile with the carrier that protects it best. Select your camp type below to instantly start a custom quote built for your program.
Day programs face transportation liability and daily drop-off/pick-up exposure in addition to activity risks.
Common Examples
Park district camps, Church VBS, Recreation center programs, Art/music camps
Overnight supervision creates 24/7 duty of care with significantly higher abuse exposure and property needs.
Common Examples
Traditional sleepaway camps, 4-H camps, Scout camps, Church camps
High-risk activities require specialized coverage that standard camp policies often exclude or sublimit.
Common Examples
Basketball/soccer camps, Wilderness survival, Sailing camps, Coding camps
We design Summer Camp Insurance policies that go beyond “minimum requirements” to “fully protected,” safeguarding your program, your staff, and your campers.
Most direct quotes only cover the basics in the left column. We shop specialty camp carriers to secure the critical add-ons in the right column that actually protect your program.
| Feature | Basic Camp Policy | The “Dream” Protection Plan |
|---|---|---|
| Abuse & Molestation | ✖ Sublimited ($25k) or Excluded | ✔ Separate High Limits ($1M+) |
| Participant Accident | ✖ Limited ($5k) | ✔ Enhanced ($25k+) |
| Crisis Response | ✖ Not Included | ✔ Crisis Management Coverage |
| D&O Coverage | ✖ Excluded | ✔ Full D&O for Board/Leadership |
“How much does summer camp insurance cost?” Premiums depend on camp type, number of campers, activities offered, and claims history.
Standard business agents often don’t understand youth program risks. We work with specialty camp and youth organization carriers who know how to properly underwrite and cover camp operations.
Experience the confidence shared by the camp operators we protect, and let us turn these options into a clear, comprehensive protection plan for your summer program.
We’re here to help you explore your coverage options tailored to your needs.
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