Should You Buy Sports Camp Insurance?
If you own a sports camp or are considering opening a sports clinic, you may have heard that you should purchase sports camp liability insurance. You expect to have children and teens learning new skills, but what happens if somebody gets hurt? Even one oversight can lead to an accident and injuries. This is where insurance comes in.
What Are the Benefits of Sports Camp Insurance?
First, sports camp insurance protects your business. If you do not own the location where the camp or clinic is located, you need additional insurance to ensure that you are protected if somebody else's negligence causes somebody to become injured. Of course, it's not only the children that are at risk. An employee or volunteer could also become injured.
Plus, insurance may also cover property damage claims the property's owner could make after your camp is over. Property damage can happen at any time, and you do not want to be liable for any expensive repairs. Essentially, this insurance protects you from a lawsuit.
What Are the Risks of Sports Camps?
Of course, each type of camp comes with a different level of risk. For example, camp owners carry liability for the premises, meaning that they need to ensure the facilities and grounds are safe for campers.
Sports camps are also at risk when they do not perform background checks. It is important to screen all volunteers, employees, and other adults who may have regular contact with children on the grounds. If a child is abused, the camp owners may be held responsible.
Medical and dental injuries can be expensive, and you may be on the hook to pay for these bills even if you had parents sign waivers. You may need general liability insurance to cover any claims of bodily injury.
Do Insurance Companies Exclude Activities?
Some activities may be excluded in your insurance policy. For example, your insurance company may claim that employment practices, fireworks, fraudulent acts, and sexual abuse are not covered. Keep in mind that some sports are often not covered. You need to communicate with your insurance company if your camp offers training linked to gymnastics, trampolines, waterslides, rafting, diving, rock climbing, ballooning, horseback riding, and motorsports. Each plan is different.
Do You Need Insurance Coverage?
If you run a sports camp or clinic, you should have insurance. Your policy protects your business and you personally. Accidents happen every day, and you want to be covered.
To learn more, contact a company that offers sports camp insurance coverage.
