Would anyone dare to trade in a kid’s unique summer camp fun? Ask anyone between the ages of seven and twenty and there’s bound to be a unanimous vote of confidence in favor of ‘no way, nothing to speak about’!
Summer camps evoke prime warm memories of away from home thrill, excitement, sunshine and those rare activities that boost self-confidence, esteem and friendships. For the child that has the distinct privilege to attend camp, there is nothing to compare to the joyful camping experience. For the camp owners, directors, counselors and other staff members, the employment opportunity and facility operation not only involves a fiscal compensation and much-deserved profits, but also the all-embracing rewards of being the key ones responsible for all the laughter, camaraderie, skill-learning and general celebration of the liberating season.
With the undeniable summer bliss, however, comes a generous dose of risk exposure. Camp owners and directors know that safety is paramount. Nonetheless, as in anything in life, all the meticulous planning and program implementing to prevent any number of related mishaps can never be foolproof. That is the reason why the insurance companies offer sound liability policies designed specifically for summer camps.
Typically written on an accounts basis, summer camp coverage includes logical hazards. Here you will find the general bundled all-in-one list:
1. Property insurance that cover camp buildings and the contents within, as well as miscellaneous equipment
2. Commercial general liability
3. Auto liability
4. Special campers accident and illness insurance
But there are the extra kinds of coverage that any responsible summer camp owner should mull over getting as well. This includes the following indemnity riders:
• Camp tuition coverage
• Extra expense insurance
• Theft expense coverage
• Medical expense insurance
• Accident coverage
• Any camp activity that is not covered
• Tuition compensation as a result of accident, illness – or even death (this is in response to a sudden breakout of widespread sickness, accident, man-made or natural occurrence such as a flood and other policy specified reason)
For the camp owner that has his or her finger on the pulse, the question of liability limits certainly comes into play. By and large as far as the insurance companies are concerned, high liability limits are the recommended way to go.
Of course, who the camp deals with in regard to procuring a good policy is also a primary matter. The dependent agency will offer only a policy that the one providing company can come up with. An independent insurance agency, on the other hand, deals directly with many of the leading companies. This gives it the ability to shop through its network to present a tailored plan at a competitive low rate.
With the right type of protection, any summer camp – along with its campers and faculty – is bound to enjoy a carefree summer experience with memories that will warm everybody over the winter until the next great camp season!