Basic insurance needs for sports camps are General Liability and Accident/Medical Insurance along with Participant Legal Liability coverage, which is unique to sports camps and covers bodily injuries not included in a GL policy, says Lori Windolf Crispo, managing director for the sports programs division at Bollinger Insurance in Short Hills, N.J.
Accident Cover protects participants or coaches if they are injured while holding the camp; it's really a buffer against GL claims. The minimum limit on an Accident policy may be $25,000 per claim, per injury; however, organizations will often carry $100,000 or $250,000 limits with varying deductibles. Some will carry an umbrella policy for higher limit of liability. “For a catastrophic injury you want $2 million of coverage,” says Crispo.
Everything else is gravy, she adds: Cyber Liability, D&O, Auto insurance, Property insurance, Inland Marine or Equipment coverage, depending on a league or camp's exposure. “Warehouses converted into indoor-sports facilities are [more common] now,” she says. “That gives them more exposure and they need Property insurance, Premises Liability and [coverage] like that.”
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