Spring is the perfect time for outdoor activities and sports in the sun when the weather is still beautiful and mild. While a spring sports camp is a fun place where youth can hone their skills, get exercise, and make friends, they can also be dangerous.
A lot can go wrong at a spring sports camp, so it’s essential to have the proper spring sports camp insurance to protect yourself, the participants, the staff, and more.
Aside from the legal requirements for sports camp insurance, there are myriad reasons to acquire proper coverage, and you’ll be glad you did. Keep reading to learn everything you need to know about spring sports camp insurance and how Entertainment Sports Promotion insurance can help you.
The Importance of Sports Camp Coverage
Even if you run your spring sports camp with the utmost caution, things can still go awry due to forces out of your control. That’s why it’s crucial to have comprehensive insurance that keeps you covered if a terrible situation occurs.
Below are the many benefits of spring sports camp insurance, showcasing why this type of coverage is necessary for any and all types of sports camps.
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Liability Protection:
Liability protection is one of the top reasons to acquire insurance, as without it, you and your organization will be held liable financially and professionally for any accidents or negative situations that occur.
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Legal Compliance:
One of the most important benefits of comprehensive spring sports camp insurance is that it ensures your organization is legally compliant.
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Professional Liability:
Professional liability protects any professionals associated with the organization, such as nurses, physical therapists, coaches, and more, from liability concerning injuries, death, or other incidents.
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Participant Safety:
Having proper sports camp insurance can also help protect your youth participants and take care of them if something happens.
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Financial Security:
One serious claim against you or your organization can ruin your finances, but adequate insurance protects your finances.
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Property and Equipment Protection:
Depending on the sport your camp is for, it may require costly equipment, and insurance can cover the cost of fixing or replacing this expensive property.
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Event Relocation, Reschedule, or Cancellation:
Weather, double-bookings, and other unexpected issues can force you to relocate, reschedule, or even cancel your camp, which can result in lost funds and damaged reputation without insurance.
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Travel and Transportation Insurance:
Transporting equipment, staff, visitors, volunteers, and participants can be more dangerous than it sounds, so travel and transportation coverage is important.
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Organization Reputation Management:
Having the right insurance can also boost your organization’s reputation, building trust with visitors, participants, and others.
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Peace of Mind:
Lastly, the right insurance can relieve stress and worry, as you’ll know that if anything goes wrong, your insurance policy has you covered.
The advantages of proper camp insurance are plentiful, ranging from legal adherence to emotional assurance. Everyone associated with and involved with your organization will benefit from a robust insurance policy that covers all the bases.
Types of Sports Camps We Offer Coverage For
No two spring sports camps are the same, and at ESP, we understand that. We offer insurance policies that cover a wide array of sports and activities, so we have the expertise to help you protect whatever sport your camp focuses on.
To give you a sense of our diverse knowledge, below are some of the top sports, activities, and focuses we offer coverage for.
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- Soccer
- Futsal
- Lacrosse
- Basketball
- Baseball
- Softball
- Football
- Flag Football
- Volleyball
- Cheerleading
- Speed and Agility
- College Recruiting
- Hockey
- Wrestling
- Track and Field
If you don’t see your sport or activity listed above, we might still cover it! The list above is not exhaustive. We offer coverage for a wide range of activities and sports. So you can reach out to us with the details of your sport and organization, and we’ll send you an insurance quote.
Required Coverage for Spring Sports Camps
Now that you understand why it’s crucial for you to have excellent spring sports camp insurance, we want to explain what type of insurance is required. Below are the two types of insurance your organization must have to operate in compliance.
General Liability
General liability is the first and possibly most important insurance for your spring sports camp. This type of coverage protects everyone involved with your organization. So, players, coaches, staff, and volunteers will be protected from most third-party claims.
Common third-party claims against sports camps include injury, property damage, and legal defense expenses. If you want additional coverage for sexual abuse and molestation claims, which is always wise to add to your policy in the event something terrible happens, you can request this policy extension.
The idea behind general liability insurance is that it covers your organization with a protective blanket for the most common and generic issues that can arise.
Secondary Accident Medical
Along with general liability coverage, secondary accident medical is another required coverage for sports camps. As mentioned, youth sports can be wildly fun, but they come with their fair share of risks.
Secondary accident medical insurance covers your camp’s youth participants during sanctioned activities, such as games, practices, and conditioning. This insurance covers many things, including accidents, injuries, dismemberment, and accidental death. Our secondary accident medical insurance also covers group participant travel on the way to sanctioned events and activities as well as the way back.
While the trip to and from an event or activity may seem low-risk, accidents can happen, so it’s best to be covered. By default, the secondary accident medical only covers transport and travel for the camp’s youth participants, but you can extend it to include referees and coaches.
The Importance of Sports Accident Insurance for Youth Football Teams
Recommended Coverage for Spring Sports Camps
While you only need the two types of insurance above to be in compliance, we highly recommend you consider adding additional coverage to your policy to account for other unexpected problems.
Life is unpredictable, and even when you’re perfectly prepared and cautious, you can still be impacted by unforeseen circumstances. If you want to protect yourself and your organization against some of the worst-case scenarios, it’s best to opt for the additional and recommended insurance coverage explained below.
You can always ask our team questions about these types of coverage and how they apply to your specific spring sports camp if you want more information.
Catastrophic Secondary Accident Medical Excess Coverage
Aside from the secondary accident medical coverage discussed above, we also offer catastrophic secondary accident medical excess coverage. This insurance is to make sure you’re doubly covered for the many awful things that can happen. You want to be absolutely sure you are protected against any and all bodily injury claims.
The additional secondary accident coverage protects only your youth participants unless you request to extend it to others within the organization. With this protection, you can get up to $1,000,000 in medical expense coverage. This insurance protects you, as well as your youth participants, from the incredibly high medical bills that can result from a camp accident.
Why Youth Lacrosse Teams Need Secondary Accident Insurance
Directors and Officers
Most camp organizers want to protect their youth participants first and foremost, which is wholly admirable. However, it’s also important to protect other people associated with your camp organization.
This coverage protects your camp officers and directors in charge of your league or team from breach of duty or negligence claims or allegations. Protecting the youth participants at your spring sports camp should be a priority, but you also need to protect the professionals who make the camp possible.
Cyber Liability
We also offer optional cyber liability to add to your existing directors and officers coverage. In this modern age, cyber liability insurance is extremely important. This policy protects your organization from data breaches and many other cyber security problems. Some of the things cyber liability insurance can protect you from include:
- Business interruption.
- Forensic investigations.
- Cyber extortion.
- Litigation expenses.
- Regulatory defense expenses and fines.
- Crisis management expenses.
- Cyber betterment.
While sports and similar camp activities are your main focus, every modern organization has a website and operates online to some degree. If you have a website, take payments online, offer registration online, and use the internet in any other capacity for your camp, you’re at risk for these cyber security issues.
The bigger your organization, the more at risk it is, but even the smallest camps can be victims of cyber attacks. It’s not a matter of if but a matter of when.
Employment Practices Liability
You can also add employment practices liability to your directors and officers policy. This type of insurance will protect you against claims by workers. If any member of your staff alleges that you violated their legal rights as an employee, the employment practices liability has you covered.
Any legal defense costs or damages from one of these claims will be covered under this policy extension. Below are some of the types of claims an employee may make:
- Wrongful termination
- Sexual harassment
- Discrimination
- Invasion of privacy
- False imprisonment
- Breach of contract
- Emotional distress
- Wage law violations
- Hour law violations
Don’t risk winding up with a hefty legal defense bill because an employee made a harsh claim against you. Protect yourself with this coverage, as these types of claims are made often, even against the best organizations.
Inland Marine
Inland marine insurance is all about your equipment and property. From the hockey nets to the basketball hoops to the track hurdles to the wrestling mats, inland marine insurance covers all camp-related equipment and property.
Depending on your camp’s activities and the size of your organization, your equipment investment may be thousands of dollars. It’s wise to protect that investment as firmly as possible.
This helpful and comprehensive insurance will cover the cost of equipment repair or replacement in the event of damage or theft. When your $5,000 basketball hoop breaks, you’ll be happy you have this coverage.
Crime Protection
Most of the insurance coverage we offer protects you and the organization against accidents and legal claims, but crime is also a threat to your camp. Not everyone is honest. And some people will needlessly and selfishly steal from organizations like yours.
Our crime protection policy protects against internal organization theft, meaning when someone within your organization steals camp funds. You can choose between a $10,000 and $25,000 limit structure for your policy.
3 Reasons to Add Crime Coverage to Your Sports Insurance Policy
Trust ESP Insurance to Protect Your Spring Sports Camp
A spring sports camp is a wonderful place for young athletes and adventurers to connect. Spring sports camps set up with the best intentions, people, equipment, and facilities can still run into severe problems, such as accidents, injuries, legal claims, property damage, theft, and more. Of course, our sports camp insurance extends to all seasons. Make sure your summer camps have general liability insurance, too!
Give yourself and everyone involved with your sports camp peace of mind and assured protection with a comprehensive plan from our experienced team. Contact us to set up your spring sports camp insurance policy or if you have any questions or want more information. You can email us at contact@espspecialty.com or call us at 877-670-2377.
Go Ahead We Have You Covered!
