This program is specifically designed for U.S.-based youth day camp operations (those attended by campers age 19 or under) with programming 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.
Commercial general liability coverage protects the insured against liability claims for bodily injury and property damage arising out of premises, operations, products and completed operations, and personal and advertising injury. No deductible applies to liability claims.
Medical payments for participants coverage pays the medical and dental expenses incurred by a "participant" when an accidental injury occurs while participating in camp operations. The coverage is provided on an excess basis, responding after all other medical coverage available to the "participant" has been exhausted. If no other medical coverage exists, the coverage becomes primary. A $100 deductible applies to each claim and the benefit period is 2 years from the date of accident.
Expense reimbursement for illness will pay expenses incurred for illness which a "participant" first experiences or is exposed to, during a covered camp program. The illness must be reported within two years from the first experience or exposure and payments are made regrdless of fault.
"Participant" means any person engeaged in the covered activities of the day camp operations. Participant does not include any compensated member of the staff, including employees or independent contractors.
| Academic Day Camps | Arts & Crafts Day Camps | Computer Day Camps |
| Music Day Camps | Nature Day Camps | Performing Arts Day Camps |
| Science Day Camps | Vacation Bible Schools |
| COVERAGE | Basic Plan | Premier Plan |
|---|---|---|
| Each Occurance | $1,000,000 | $2,000,000 |
| General Aggregate (other than Products-completed Operations) | $2,000,000 | $2,000,000 |
| Products-Completed Operations Aggregate | $1,000,000 | $2,000,000 |
| Personal and Advertising Injury | $1,000,000 | $2,000,000 |
| Medical Expense (other than participants) | $5,000 | $5,000 |
| Damage to Premises Rented to You | $300,000 | $300,000 |
| Legal Liability to Participants | $1,000,000 | $2,000,000 |
| Medical Payments for Participants | $25,000 (per claim) |
$250,000 (per claim) |
| Medical Expense Reimbusement for Participants | $1,000 (per claim) |
$1,000 (per claim) |
Notable Exclusions
Abuse/Molestation, Amusement devices (rides, slides, inflatables), Asbestos, Any Boating Activities, Employment-related practics, Exclusion-designated operations (ATV use, After School/day care/latch key programs*, Equasterian activities, Open water activities, Overnight stays, Trips away from main location, Theatrical performances),
Fireworks, Fungi or bacteria, Lead, Nuclear energy, Pollution, Dunk Tanks, Haunted Attractions or Climbing Walls
*See our daycare, Preschool, and Before & After School Program under K-12 Schools
