Why Kid Camps May Need Group Accident Insurance

Many of us have fond memories of summer camp. Endless days playing in the sun, making new friends, and trying something new. Today there are all types of programs for kids of all ages. Churches and schools run popular camps throughout the summertime. There are science, sport, band, math, art, theatre and cooking camps just for kids. 

As much benefit as there is to a young person attending camp, there are risks associated with it for not only parents, but also camp operators.

While great efforts are made to try and avoid it, accidents at camps do happen. That’s why it’s so important to manage common risks and safeguard both campers and operators through group accident insurance. Knowing that campers and business owners have this kind of protection can provide “peace of mind.”

What is Kids Camp Accident Insurance?

Like dance schools, child care, or after-school programs, summer camps can place kids, and volunteers, at risk for injury or illness. A variety of mishaps can happen both at the camp itself or at off-site camp related activities.

Group accident insurance is an effective way to provide campers and other covered individuals added protection in case they experience an accident. This kind of policy can help cover the costs of treating an injury or illness when it occurs. Some of the physical locations where group accident insurance provides coverage includes:

  • Primary camp property

  • Field trips

  • Swimming pools

  • Nature trails and parks

  • Travel to and from camp or events

  • Other covered locations

Minimizing Liability Exposure for Camp Operators

Most quality kid camp organizations carry liability insurance in the event that they become financially responsible for an injury or illness to a third party. While a general liability policy is important to any camp’s risk prevention strategy, securing a group accident policy for campers and other covered individuals provides operators with another layer of protection against financial loss.

In addition, by securing such a policy, camp professionals may add extra value to their customer’s experience with them, which sends a message that operators go above and beyond to serve the families that utilize their services.

Who is Covered by Group Accident Insurance?

Kids’ camp insurance provides coverage for all youth that are attending the camp as well as certain participants. Volunteers who help staff during activities or events associated with the camp program are also protected.

Group accident insurance extends to:

  • Day Campers

  • Overnight Campers

  • Summer Campers

  • Volunteers

  • Participants

It is important to note that group accident insurance does not extend to camp owners or employees. Such a policy is designed to help protect individuals in the above categories.

What Does Group Accident Insurance Cover?

A good summer camp counselor is knowledgeable in delivering aid to kids with bee stings, sunburns, sprains and other related issues. However, campers that participate in other camps throughout the year can also become sick or injured.

Here are just some of the types of injuries or illness that group accident insurance can cover.

  • Animal bites and stings

  • Broken bones

  • Burns

  • Sprains and fractures

  • Variety of other illnesses

What’s included in Group Accident Coverage?

If an accident or illness occurs at a kid’s camp, group accident insurance is there to help cover costs. Even for parents that have traditional health insurance, it provides “peace of mind” to know that this kind of additional coverage is available. Some of the types of services that group accident insurance can cover include:

  • Hospital stays

  • Emergency Room visits

  • Diagnostics, tests + labs

  • Crutches, casts + braces

  • Other Services

A Client Offering for Agents and Brokers

If you are an insurance agent or broker with clients in the children’s’ camp industry, group accident insurance from Pomi is a great way for them to reduce their potential liability costs. In addition, this type of coverage allows your clients to provide financial protection to certain members of the population they serve.

Pomi is dedicated to helping you and your clients by making the insurance process friendly and fun. We’ve simplified the process, so your work with us barely weighs as much as a feather on top of your usual load. Pomi is customizable, from your policies to your schedule you can DIY your experience and a real person will be available to help you build a tailored policy for your complex clients.

Send us a message, schedule a zoom chat on our contact page, or email us at [email protected], to start your Pomi collab today!

These posts are for informational purposes only and should not be considered as specific financial, legal or tax advice. Depending on your individual circumstances, the strategies discussed in this post may not be appropriate for your situation. Always consult your legal or tax professionals for specific information regarding your individual situation. In providing such information, Great American does not warrant that all potential hazards or conditions have been evaluated or can be controlled. The liability of Great American Insurance Company is limited to the terms, limits and conditions of the insurance policies underwritten.  © 2024 Great American Insurance Company. All Rights Reserved. Great American Insurance Group’s member companies are subsidiaries of American Financial Group, Inc. (AFG). AFG is a holding company whose common stock is listed on the New York Stock Exchange. Policies are underwritten by Great American Insurance Company, an authorized insurer in all 50 states and the DC. Please see Great American Insurance Company’s Legal Disclosures/Terms and Conditions here.  https://www.greatamericaninsurancegroup.com/contact/legal-disclosures

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