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Camp operations will be excluded under the Package General Liability coverage if known to the underwriter (if camp operations are not disclosed to the underwriter camp related claims will likely be denied).
What's CoveredBodily injury and property damage normally associated with camp operations. Activities such as archery and trampoline and all water related activities (swimming pool, canoe, etc) are subject to close underwriting scrutiny and coverage may be denied if satisfactory safeguards are not in place. Medical malpractice for volunteer medical professionals and sex abuse and molestation are essential elements of coverage. Accident Medical Insurance (including death & dismemberment) is optional and may be purchased on a primary or excess basis.
Who's CoveredThe association, staff and volunteers; in some circumstances employed & volunteer medical professionals may be included as additional insureds.
Value to AssociationRoutine association administrative operations rarely result in bodily injury claims: not true with camp operations. Camp Liability plays an essential role by insuring an exposure that has genuine bodily injury potential and is excluded under the Package General Liability policy. Accident Medical Insurance often provides the primary source of medical payments for campers whose families do not have health insurance.
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