Even if you know nothing about insurance, you can probably guess that summer camps and other overnight camps need it. That’s because a lot can go wrong when you get a bunch of kids in one place canoeing, swimming, and running around. Even if your attendees fill out waivers, your camp probably has significant liability exposures. And because you operate as a nonprofit, you have limited means for defending yourself if a parent decides to take legal action after something goes wrong.
The good news? Liability insurance can help overnight camps and summer camps manage their risks by paying for the costs associated with a legal defense. Witness fees, court costs, attorney fees, and judgements or settlements are all covered by a typical business liability insurance policy, which means your camp can enjoy a carefree summer by investing in a policy (and, of course, being diligent about managing risks).
To get a better idea of how various business insurance policies can protect your camp, read about them below.