Day Camps Insurance (Non-Sports)

General Liability and Medical Insurance for academic, arts & crafts, music, and other non-sport day camps.

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 Limits of Liability and Premiums

Option 1 Option 2
General Aggregate $5,000,000 $5,000,000
Each Occurrence $1,000,000 $2,000,000
Products-Completed Operations Aggregate $1,000,000 $2,000,000
Personal & Advertising Injury $1,000,000 $2,000,000
Legal Liability to Participants $1,000,000 $2,000,000
Professional Liability $1,000,000 $2,000,000
Hired Auto and Employers Non-ownership Liability (not provided while in Hawaii) $1,000,000 $2,000,000
Damage to Premises Rented to You (Fire Legal Liability) $300,000 $300,000
Medical Expense (other than participants) $5,000 $5,000
Medical Payments For Participants ($100 per claim deductible applies) $25,000 $250,000
Medical Expense Reimbursement For Participants $1,000 $1,000
Rates
Rate Per Camper per Day $1.33 $1.82
Rate Per Camper per Week (use if camp is 3 to 7 consecutive days) $4.00 $5.54
Minimum Earned Premium $240.00 $360.00

Higher limits are available upon when completing the online application.

All Applicants: A $15 RPG Fee is required by the carrier for all applications. An RPG fee provides group purchasing power for similar risks resulting in potential advantageous coverage terms, competitive rates, risk management bulletins, and rewards for favorable group loss experience.


Optional Sexual Abuse or Sexual Molestation Coverage or Abuse, Molestation, Harassment OR Sexual Conduct Defense Cost Reimbursement Coverage

This program includes two options for coverage for claims arising out of sexual abuse or sexual molestation:

Option 1: $1,000,000 of liability coverage for sums the insured becomes legally obligated to pay as damages because of loss arising out of any actual or threatened sexual abuse or sexual molestation. This limit is part of, not in addition to, the general liability limit selected.

Option 2: $100,000 of coverage for reimbursement of defense costs only resulting from claims arising out of abuse, molestation, harassment or sexual conduct.

Options Rates
Option 1: $1,000,000 Sexual Abuse or Sexual Molestation Liability See application for rates ($150.00 minimum premium)
Option 2: $100,000 Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement $100.00 (flat rate)

Program Eligibility

Youth day camps offering programs in the following categories are eligible to submit an enrollment form.

  • Academic Day Camps
  • Arts and Crafts Days Camps
  • Computer Day Camps
  • Creative Writing Day Camps
  • Culinary Day Camps
  • Etiquette Day Camps
  • Inventive Builder/Lego® Day Camps
  • Math Day Camps
  • Music Day Camps
  • Performing Arts Day Camps
  • Photography/Film Making Day Camps
  • Science Day Camps
  • Vacation Bible Schools
  • Day camps/clinics for youth with an accompanied adult are eligible for this program (i.e. parents & me camps). Ratios cannot be more than two adults per child.

If you do not see your form of operation, please contact us for eligibility.

Ineligible Operations

Youth day camps offering the following operations are not eligible for this insurance program. Please contact us for more information.

  • After school/day care/latch-key programs
  • Sports Camps (Visit Sports Camp Program)
  • Camps involving animals other than service animals
  • Camps providing overnight accommodations
  • Hunting and/or nature camps/programs
  • Camps with activities away from main location, unless reported and approved by company prior to taking place.

Risk Management Content

Visit our Risk Management page to access the following important content:
• Sample Waiver/Release – Minor and Adult
• Are Waivers Worth the Paper They Are Written On?
• Before You Sign the Facility Lease Agreement
• Collecting Certificates of Insurance From Vendors
• Lightning 30/30 Safety Rule
• Child Abuse / Molestation Protection Program – Short Form
• Types of Criminal Background Checks
• Concussion Awareness Risk Management Program
This is not an all inclusive list, check out our Risk Management page for other articles, programs, videos and forms.