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Youth Day Camps
Phone 1-800-596-0969
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  Liability limits of $1,000,000 to $5,000,000 (per occurrence) are available online.
This program has been designed for U.S.-based day camp operations (those attended by campers age 19 or under) with programs dedicated to activities other than sports skill development. Coverage provided under this program includes important liability protection for the camp, including its employees and volunteers, for liability claims arising out of its operations. In addition, the program provides medical payments for participants coverage to the camp participants. Coverage is provided on an annual basis, but only applies to those camp sessions that are specifically reported.
Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.

Sports related day camps should visit our Sports Camps Program.
Eligible Operations
Youth day camps offering programs in the following categories are eligible to submit an enrollment for this insurance program
- Academic day camps - Arts & crafts day camps
- Computer day camps - Creative writing day camps
- Culinary day camps - Etiquette day camps
- Incentive builder/Lego® day camps - Math day camps
- Music day camps - Photography/film making day camps
- Performing Arts day camps - Vacation bible schools
- Science day camps
Ineligible for this program: (please note, this is not a complete listing of ineligibles)
- After school/day care/latch key programs - Camps with attendees age 20 & over*
- Camps involving animals other than service - Hunting and/or nature camps/programs
- Camps providing overnight accommodations - Sports camps
- Camps with activities away from main location, unless     
reported and approved by company prior to taking place
*Please contact us for more information on coverage availability for day camps/clinics for youth with an accompanied adult (e.g. parents and me camps)
Coverages Available & Program Highlights

Commercial General Liability


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

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 - Fungi or bacteria
- All operations listed as ineligible - Haunted Attractions
- Amusement Devices(e.g.: rides, slides, inflatables, - Lead
  bungees, climbing walls, dunk tanks) - Nuclear energy
- Asbestos - Open water activities
- ATV use - Ownership, operation, maintenance or management of any
- Boating activities facility other than while being used for covered activities
​-​Communicable Diseases-​​Pollution
- Employment-related practices - Separate ticketed events   
- Equestrian activities - Transportation of participants
- Fireworks - Violation of statutes that govern e-mails, faxes, phone
calls or other methods of sending materials or information

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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