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Each year, more than 14 million individuals attend summer camps in America. These programs allow kids to make memories of swimming, competing in sports, playing games, and participating in other recreational activities. While providing a fun camp experience is important, summer camp insurance can reduce risks if incidents happen.

With XINSURANCE, you can have an all-in-one policy that provides customized coverages built into one policy! We can fill the gaps and cover the exclusions in your existing insurance policy that other insurance companies can’t or won’t provide. Whatever you need, we can help to find the best insurance solution for you!

summer camp insurance
summer camp insurance


Why Liability Insurance Matters for Summer Camps and Counselors

Summer camps host large groups of children for daily sessions or overnight stays. Activities with supervision, rules, and safety measures still sometimes result in concerns. Summer camp liability insurance can protect the operations of your business regarding employees, volunteers, club members, campers or athletes, and property.

XINSURANCE can help summer camps with these factors:

  • Accidents: Coverage can protect you in case of camp injuries or property damage.
  • Claims: Insurance can cover counselors and the camp from liability for abuse claims.
  • Mentality: Protection can offer camp counselors peace of mind while completing daily activities.

Types of Camps We Cover

At summer camp, kids learn skills and bond with friends over shared memories. Sometimes events, tournaments, or games create safety risks and challenges. Liability insurance for youth recreation programs can offer protection if legal situations involving claims or lawsuits happen.

XINSURANCE can create plans for the following types of summer camps:

  • Academic: Reduce risks of claims or lawsuits relating to summer camps with learning curriculums.
  • Athletic: Protect your organization in case of injuries or property damage during athletic activities like games and tournaments.
  • Outdoors: Keep your summer camp operational with legal protection in case of incidents involving outdoor elements such as sunlight, water, or nature.
  • Other: Feel at ease operating different types of summer camps with protection possibly offered in case of lawsuits.

FAQs About Summer or Day Camp Coverage

Know your coverages for summer camp operations. Feeling informed lets you know when you’re protected and helps you feel at peace. Learn more about XINSURANCE summer camp insurance with these common questions and answers:

  • When am I liable? Potential incidents relating to a summer camp activity could make you responsible for a claim or lawsuit.
  • How do I reduce my risk? Customizable plans with XINSURANCE allow you to speak with underwriters and decision-makers about your shared goals and interests to lower possible dangers for your summer camp organization.
  • Do you have minimums or maximums? Minimum limits for your summer camp coverage depend on the rates discussed for your customized insurance package, and maximum limits can reach $10 million with higher limits available.

What Coverages Are Available with Summer Camp Insurance?

We have an all-in-one approach for summer camp insurance that can provide all coverages under one policy. If you have gaps and exclusions in your current policy, we can cover those as well. Examples include:

  • Commercial general liability: Provides coverage for injuries and property damage sustained by third parties.
  • Commercial auto (available in most states): Provides auto liability coverage for your company-owned vehicle or personally-owned vehicle that is primarily used for business purposes.
  • Animal liability: Provides coverage for third-party bodily injury and property damage caused by an animal that you own.
  • Directors and officers (D&O): Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization.
  • Active shooter liability coverage: Liability protection in the event of an active shooting taking place at company property.
  • Communicable disease coverage: This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19.
  • Equipment coverage: Coverage for equipment, including rentals, used on the job in case of malfunctions or theft.
  • Firearms liability (available in most states): Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use.
  • Personal liability: Personal liability protection in the event of an accident and a claim is made against you.
  • Liquor Liability: Coverage for businesses that provide the sale, service, or furnish of alcohol.
  • Pollution clean-up: Covers the costs associated with pollution clean-up caused by your summer camp.
  • Premises liability: Protects against claims for slips, trips, and falls on the property due to negligence.
  • Products liability: protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage.
  • Professional liability: Coverage for claims regarding negligent acts and more.
  • Property coverage: Covers the building and the contents within it from fires, storm or wind damage, vandalism, and theft.
  • Riot and civil commotion liability coverage: Liability protection against claims made from a riot or civil commotion.
  • Special events liability: Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events.
  • Weapons coverage: Coverage for third-party property damage and bodily injury caused by a weapon that was used for personal or commercial purposes.
  • Alleged assault and battery liability: Coverage for claims against you regarding assault and/or battery.
  • Alleged sexual abuse and molestation liability: Coverage for claims against you regarding sexual abuse and/or molestation.
  • Tru Umbrella / Excess liability: Additional coverage to fill the gaps and exclusions in your existing policy.
  • And more: We provide customized coverage solutions so let us know everything you want to have covered and we can find a policy that suits your needs!

Please note that we do not provide workers’ compensation.

Get Summer Camp Coverage

Successfully prepare for summer camp season by getting insurance for your organization. XINSURANCE can offer coverage whether you already have summer camp insurance, you need coverage, you’re a new business, or in case of coverage cancellations, declines, and non-renewals.

Connect with our staff to discuss insurance opportunities covering exclusions in your current package or help with old and new claims. Call 877-585-2853 or request a free quote today!



XINSURANCE is a DBA of Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage, providing specialty liability insurance solutions. The company offers insurance solutions when an individual or business has been denied, canceled, or non-renewed by another insurance carrier.

XINSURANCE provides businesses and individuals with access to customized liability insurance policies that cover gaps in your traditional coverage. They provide you with true peace of mind. With over 40 years of experience in the industry, they will be your trusted partner. XINSURANCE will fight for you when no one else will.

Why Should You Choose XINSURANCE for Summer Camp Insurance?

A lot of insurance policies impose very low limits or exclusions. They may not even cover liability insurance at all. For true peace of mind, you need specialty liability insurance.

We assess your situation to find you the best, comprehensive coverage for your requirements. As specialist brokers, we can even offer solutions to those who have been denied insurance before or those who have a claims history.

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