Soccer is one of the most popular sports among youth players in the United States, with US Youth Soccer registering nearly 3 million players annually. As warmer months approach and soccer summer camps begin registrations and programming, it’s important to ensure that your youth soccer club or soccer camp has all its insurance needs covered.
Does your general liability insurance cover soccer summer camps? Not all general liability insurance policies do! If you’re relying on US Soccer Insurance to cover you for a separate camp, it will not. They currently only cover, practices and games associated with sanctioned activities. Learn more about why soccer clubs and camps need insurance, what general liability insurance covers, and what other insurance needs soccer camps may have.
Why do soccer summer camps need insurance?
Soccer summer camps need insurance to protect all participants involved, including directors, officers, coaches, and youth athletes. While soccer is a fun sport that provides an excellent source of exercise, teambuilding, and more, it also comes with many potential risks, such as:
- Injuries to youth soccer camp participants
- Injuries to coaches, volunteers, and bystanders
- Potential claims against directors and officers
- Crime or property damage
Soccer clubs and soccer camps attract youth athletes of all ages, especially during the summer. While you provide a space for players to learn and sharpen their athletic skills, grit, and teamwork, make sure you, your organization, and your participants are protected.
What does general liability insurance cover for soccer summer camps?
General liability insurance is the most common insurance policy used to cover summer soccer camps. This type of insurance protects players, coaches, and volunteers from many types of third-party claims and lawsuits, such as:
- Bodily injury
- Property damage
- Legal defense costs associated with these claims
- Participant legal liability
- Sexual Abuse and Molestation
If applicants request it, the team at ESP Specialty also offers additional general liability insurance coverage for sexual abuse and molestation. Typical coverage limits are up to $1 million per occurrence, but your policy can be customized to fit your soccer summer camp’s specific needs.
Most general liability insurance policies do not cover the specific needs of seasonal camps and clinics such as a soccer summer camp or seasonal soccer club. ESP Specialty can help you customize a policy to protect your organization and players with comprehensive terms and the option to add recommended coverages for more complete protection.
What other types of insurance do soccer summer camps need?
Besides general liability insurance, your soccer summer camp should also have participant accident medical insurance. This type of insurance covers your youth participants and coaches during sanctioned activities against claims of injuries, accidents, and death and dismemberment. Learn more about why youth sports camps need accident medical insurance.
Soccer summer camps may also benefit from the following recommended coverages:
- Catastrophic Secondary Accident Medical Excess: extended accident medical insurance for limits up to $1,000,000.
- Directors & Officers: coverage for claims of negligence or a breach of duty by directors and officers, with an option to add cyber liability insurance and employment practices liability insurance(EPLI). This covers the organization against discrimination, wrongful termination and harassment.
- Inland Marine: protection for your soccer summer camp’s equipment during games, practice, transportation, or off-season storage.
- Crime Protection: coverage in the event of internal theft of funds from your soccer summer camp.
People who organize soccer summer camps often wonder if these recommended coverages are necessary or worthwhile. Your ESP Specialty general liability insurance can provide very thorough coverage, but it doesn’t protect you from everything which is why we tailor coverage needs to the individual team, club or league.
Remember, insurance exists to give you peace of mind that you will have financial protection just in case something happens. In addition, losses related to these recommended coverages are more common than you may think. For example, read about these 3 reasons to add crime coverage to your youth sports insurance policy.
ESP Specialty’s customizable, low-cost, and comprehensive general liability insurance is an essential starting point to help you protect your soccer summer camp participants. Our additional coverages complement your general liability insurance coverage to give you peace of mind in every situation.
Ensure your soccer summer camp is fully protected. Talk to your ESP Specialty experts to check if your general liability insurance covers your youth soccer summer camp and what we can do to help.
Go Ahead We Have You Covered!