Youth Sports Camps & Clinics - MIC Insurance Group

Glossary | Buy On-line

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This program has been specifically designed for U.S.-based youth sports camp operations (those attended by campers age 19 or under) or sports clinics that are held at premises that are not owned or maintained by the sport camp operator. Coverage provided under this program includes important liability protection for the camp or clinic operator, including employees and volunteers, for liability claims arising out of its operations. In addition, the program provides medical payments coverage to the camp or clinic participants. Coverage is provided on an annual basis, but only applies to those camp sessions that are specifically reported.

Note: Youth Day camps and clinics that may not be eligible for the program outlined below should visit our Day Camps and Clinics program.

Eligible Operations

Youth sports camps offering programming in the following categories are eligible to submit an enrollment in this insurance program

-	Baseball	-	Basketball
-	Cheerleading	-	Deck/floor hockey
-	Drill team	-	Football
-	Golf	-	Gymnastics
-	Ice hockey	-	Lacrosse
-	Strength & conditioning	-	Soccer
-	Squash	-	Swimming
-	Tennis	-	Softball
-	Track & field	-	Volleyball
-	Wrestling	-	Water polo

Classroom/lecture clinics for coaches or officials in any of the above mentioned sports are also eligible to enroll in this insurance program. Please contact us for information and an application for this type of clinic.

Ineligible Operations

-	After school/daycare/latch key programs	-	Martial arts
-	All-star/bowl games	-	Open water activities
-	Boxing	-	Pro-sport tryout and training camps
-	Box lacrosse	-	Recruiting camps, showcases or combines
-	Broomball	-	Rugby
-	Camps with attendees age 20 & over*	-	Skateboarding
-	Cycling or BMX	-	Skiing (snow or water)
-	Diving	-	Sports camp/clinic operations who own their own
-	Equestrian		facility
-	Hunting and/or nature camps	-	Weight-loss camps/programs

	*Please contact us for more information on coverage availability for camps/clinics for youth with an accompanied adult (e.g. parents and me camps)

Coverages Available

Commercial General Liability			Optional Coverages
-	Personal & Advertising Injury	-	Sexual Abuse or Sexual Molestation Liability
-	Medical Expense Reimbersement for Participants (illness)	-	Abuse, Molestation, Harassment or Sexual Conduct
-	Medical Expense (other than participants)		Defense Cost Reimbursement
-	Damage To Premises Rented to You (Fire Legal Liability)
-	Products-Completed Operations
-	Legal Liability to Participants
-	Professional Liability
-	Medical Payments for Participants
-	Hired Auto and Employers' Nonownership Liability
	(not provided while in Hawaii)
-	Bodily Injury & Property Damage


Program Features

Owners of camp premises and financial sponsors may be named as additional insureds for claims arising out of your operations. There is no additional premium charge or fees for certificates of insurance evidencing this coverage.

Notable Exclusions

-	Abuse, molestation, harassment, or sexual conduct	-	Operation, ownership or management of any facility
-	Amusement devices (e.g.: rides, slides, inflatables,		or field other than being used for covered activities
	bungees, climbing walls, dunk tanks)	-	Operations listed as ineligible
-	Asbestos	-	Pollution
-	Employment related practices	-	Transportation of participants
-	Fireworks	-	Use of haunted attractions
-	Fungi or bacteria
-	Lead
-	Nuclear energy



Underwriting Information Required

The following information is required 10 business days prior to the desired effective date:
-	Completed and signed enrollment form
-	Full payment by check or credit/debit card

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