Third-party bodily injury: Pays for medical bills, as well as financial settlements and lawsuit judgments to third parties stemming from injuries resulting from your negligence.
Third-party property damage: Covers the damage to the property of a third party (typically the owner of the camp facility).
Commercial auto (available in most states): You’ll need this insurance if you plan to use vehicles to transport campers around the facility.
Commercial general liability:
Alleged sexual abuse/molestation: This coverage will protect you in the wake of allegations of sexual misconduct made by a camper against you or one of your instructors.
Alleged assault and battery: In a highly competitive environment such as a sports camp, physical conflicts between campers and instructors could occur. An instructor may also have to break up a fight between campers and inadvertently injure one of them in the process. This type of insurance offers protection in these situations.
Communicable disease coverage: Offers liability protection, resulting directly from a pandemic, in the event you are named in a lawsuit regarding a customer alleging they were exposed from your operation.
XINSURANCE covers many aspects of operating athletic camps, but we do not provide workers’ compensation. If you need to provide this coverage to support your employees, you will need to secure the services of an additional provider.