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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
| 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 |
Headquartered in Overland Park, KS and serving clients across multiple states, our team provides straightforward guidance to help you make informed insurance decisions.
If you’re comparing insurance options or reassessing your current coverage, we’ll help you evaluate what you have, identify potential gaps, and find a path forward that makes sense for your situation.
Headquartered in Overland Park, KS, with licensed support across the Midwest, South, Northeast, and West.
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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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