General Liability Insurance protects camps and campgrounds from third-party claims involving bodily injury or property damage. Whether it’s a camper tripping over a tent rope or a guest slipping by the lake, this coverage helps pay medical expenses and legal fees. It’s especially important in outdoor settings where uneven terrain, physical activities, and group gatherings create heightened risk.

Commercial Property Insurance covers cabins, lodges, bathhouses, dining halls, and on-site equipment such as golf carts and utility sheds. It protects against fire, storm damage, vandalism, and theft. This policy is essential for seasonal camps that rely on critical structures to host guests, retreats, or youth programs.

Commercial Auto Insurance covers camp vehicles—vans, shuttles, maintenance trucks—used to transport guests, supplies, or staff. If your counselors or employees use their personal vehicles for errands or trips, Hired & Non-Owned Auto (HNOA) coverage is vital. It protects your camp from liability if an accident occurs while a personal or rented vehicle is being used for business purposes, such as grocery runs, off-site excursions, or airport pickups.

Workers’ Compensation Insurance covers medical costs and lost wages if camp staff—counselors, cooks, maintenance crew, or activity leaders—are injured on the job. From burns in the kitchen to sprains during games, this coverage is required in most states and helps camps avoid legal liabilities and wage replacement issues.

Abuse and Molestation Coverage is critical for any camp working with minors. It offers legal defense and settlement support if your camp is accused of abuse or misconduct by a staff member, volunteer, or guest. Many parent organizations and accreditation bodies require this policy for summer and overnight camps, given the risk inherent in adult-child supervision scenarios.

Cyber Liability Insurance helps protect against breaches involving camper registration systems, staff background check data, or parent payment portals. If a hacker accesses sensitive records or payment info, this policy covers the cost of legal support, forensic recovery, customer notifications, and potential fines. It’s a growing necessity for camps that rely on digital systems for registration and communication.