Camp Insurance & Sports Camp Insurance – Clinics
Allen Financial Insurance Group & The Equestrian Group
Sports Camp Insurance
Clinics, Tournaments, Sports Camps
Clinics, Tournaments, Sports Camp Insurance
In the past, insurance coverage for Sports Camps, Clinics and Tournaments was either too costly, too limited or not available at all. Schools, coaches and directors were either forced to pay extremely high insurance premiums, or to run camps and clinics without the proper insurance protection, therefore running the risk of personal exposure to lawsuits or a participants injury claim.
Kids love to go to camp and enjoy their favorite sports, explore the outdoors, or hang out with their friends from the youth group. As the supervisor or director of the camp, you have more than fun to think about. You have to make sure everyone is safe and you need to protect yourself from potential liabilities and lawsuits. When you have the proper camp insurance you can be as carefree and happy as the campers.
One of the most popular types of summer camps is a sports camp. Many colleges, schools and local organizations offer a variety of sports camps, such as basketball, soccer, football, volleyball and so on. These policies normally include group accidental medical coverage that is customized to the specific sport. Some camps may also require waivers to be signed by participants if there is a reasonable expectation of injury.
Basketball camps are particularly popular. Participants in basketball camps can have a range of ages and abilities. These events can be in a day-camp format or a sleepver-type camp for high school-aged players looking to develop skills for college recruiters. Camps may be run by athletes, coaches, or volunteers from the community. Make sure if you’re running a basketball camp, you’ve considered purchasing adequate medical coverage for your staff and participants, as well as general liability insurance for the court, the locker-room, and any lodging you might be offering.
Obviously, a participant at golf camp does not have as a high a risk for a major injury as a camper at a full-contact football camp. All these injury risks are taken into consideration and can affect the cost of the insurance you need. Some injuries due to high risk activities may be excluded on some policies, so be sure to consult with your Allen Financial Insurance agent for details.
Camp Insurance & Sports Camp Insurance – Clinics
Three Kinds of Camp Risk:
Protecting Campers, and Staff with Accident Medical Insurance
Kids will be kids. Accidents often happen at camp, but an accidental medical group insurance policy can provide compensation for the appropriate medical care when that time comes. Group accidental medical coverage usually covers injuries or sicknesses that happen while at camp, or injuries and sicknesses that start at camp but continue for an extended period of time afterwards.
Some policies will cover dental injuries as medical expenses. These policies normally come in two packages: a primary medical coverage and one that pays excess benefits for those already insured by individual personal insurance.
$1,000,000 General Liability Coverage
Protects you in the event of a lawsuit or property damage. Who Is Covered?
This program provides protection for your camp, coaches and staff members against claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000.00 per occurrence with a general aggregate amount of $2,000,000.00. There is no deductible amount.
Coverage includes suits arising out of:
- Injury or death of participants
- Injury or death of spectators
- Injury or death of volunteers
- Property damage liability
- Host liquor liability (non-profit)
- Incidental medical malpractice
- All activities necessary to conduct of camp activities
- Ownership use or maintenance of fields or practice areas
- General negligence claims
- Cost of investigation and defense of claims, even if groundless
Accident Coverage ($10,000.00 Benefit.)
Pays the medical bills of an injured student or staff member. Who Is Covered?
All participants and staff members of the Policyholder are covered while participating in sponsored activities. A member is also covered while traveling, directly and without interruption, to and from any Policyholder sponsored activity and his or her home or place of residence. Accidental Death & Dismemberment If a covered injury results in any of the losses specified below within one year after the date of the accident, the Company will pay the applicable amount.
- Full Principal Sum for loss of life ($10,000.00)
- Full Principal Sum for double dismemberment ($10,000.00)
- 50% of the Principal Sum for loss of one hand, one foot or sight of one eye ($5,000.00)
- 25% of the Principal Sum for loss of index finger and thumb of same hand ($2,500.00)
If the Principal sum is payable, no indemnity will be paid for dismemberment. In any event, the double dismemberment indemnity is the maximum amount payable under this Benefit for all losses resulting from one accident.
Maximum Medical Expense Benefit
If the Covered Person incurs eligible expenses as the result of a covered injury, the Company will pay the charges incurred for such expense within 52 weeks, beginning on the date of accident. Payment will be made for eligible expenses not to exceed the Maximum Medical Expense Benefit of $10,000.00, subject to a deductible amount of $100.00. The first such expense must be incurred within 60 days after the date of the accident.
Exclusions & Ineligible Sports and Activities:
Fraudulent or dishonest acts, asbestos liability, assault and battery, punitive or exemplary damages, sexual abuse and molestation, employment related practices, professional liability, total pollution, collapse of temporary structure, fireworks and pyrotechnics, nuclear energy liability, use of saunas, sale/manufacturing/distribution of any athletic equipment and liability for occurrences prior to the effective date of coverage. All of the above are subject to the terms and conditions of the policy.
Note: There is no liability coverage for claims arising out of any of the following activities: Gymnastics, Cheerleader Pyramiding, Trampolines or Inflatable Devices, Waterslides, White Water Rafting, Scuba Diving, Bungee Jumping, Rock Climbing, Repelling, Bicycle Tours, Ballooning, Parachuting, Rodeo, Motorsports or any other Saddle Animal Exposures.
Exclusions and Limitations:
This Plan does not cover any loss to or resulting from:
- Sickness or disease in any form, except phylogenic infections due to an accidental cut or wound.
- The use of drugs or narcotics, unless administered under the advice of a physician.
- War or any act of war, whether or not declared.
- Participation in any riot or civil commotion.
- Air travel or the use of any device or equipment for aerial navigation, except as a fare-paying passenger on a regularly scheduled commercial airline.
- Suicide or any attempt thereat or any self-inflicted injury.
- Nor does the Plan cover:
- Service provided by any person or facility employed or retained by the Policyholder or member organization.
- Service provided by any member of the Insured Person’s family or household.
- Dental treatment, except as the result of a covered injury.
- The repair or replacement of any artificial dental restoration.
- Expenses payable under any Workers Compensation Law or similar legislation.
- Injury sustained while riding in or on any two or three wheeled engine driven vehicle.