Insurance coverage for your camp

The Counselor is here to help you with your camp insurance coverage.

Without flexible, comprehensive, and affordable insurance coverage, your camp could be at the mercy of everything from wind storms to hungry lawyers. Let The Counselor show you the path to peace of mind.


General liability
A must for all camp organizations, commercial general liability insurance protects you if you are sued by someone who claims that your negligent acts resulted in their physical injury or damaged their property. Markel Specialty offers limits up to $1 million per occurrence/$3 million aggregate. (Per occurrence is the maximum amount paid on a covered individual claim; aggregate is the maximum amount paid on all covered claims combined, within the policy period.)

Abuse and molestation liability
Markel Specialty offers this hard-to-find, critical coverage for situations that can be traumatic. Our professional claims associates are experts at successfully resolving sensitive claims involving children, and will handle your claim with discretion and tact.

Professional liability
Professional liability overs vicarious liability for the insured. Coverage can be provided for various professionals such as camp directors, counselors and nurses who provide care for campers on behalf of the insured.

Special events
This coverage provides protection for fundraising and special events either on or off premises.

Volunteers as Additional Insureds
When your organization uses volunteers, they're acting on your behalf. This coverage defends their unintentional negligent acts as it defends your own.

General liability plus extension
Provides a bundled group of coverage extensions such as damage to premises rented to you up to the occurrence limit.

Umbrella liability
Provides extra protection for catastrophic events. Umbrella liability goes into effect after you've exceeded the limits of your general or auto liability insurance.

Employee benefits
Provides protection for an error or omission in the administration of your employee benefit program.

Data Breach
This coverage provides protection from an accidental privacy and/or security breach of your data storage devices.


Commercial property
Commercial property insurance provides coverage for your camp property including owned buildings, business personal property, ropes/challenge courses and business income. If your facility is temporarily closed due to a covered loss (fire, lightning, windstorm), business income insurance covers your lost income or rents and continuing expenses.

Commercial property extension endorsements
Provides a bundled group of coverages on one form such as accounts receivable, debris removal, fire department service charge, newly acquired buildings and personal property, outdoor property, refrigerated goods spoilage, and more.

Systems breakdown
Protects you when any mechanical, electrical, or pressure system breaks down. This includes heating and air conditioning systems, computers, boilers, refrigerators, hot water heaters, and telephone systems.

Other coverage

Accident medical
Accident medical coverage pays medical bills (up to the policy limit) if your campers are injured at your facility and have no insurance of their own, or their bills exceed what their insurance pays. You can think of accident medical insurance as a goodwill gesture--by paying the injured person's medical bills now, you may be able to avoid a lawsuit later.

Covers owned, leased, non-owned, and hired vehicles, such as cars, vans, pickups, and buses used at your facility. Automobile Plus Extension provides coverage extensions such as hired physical damage and rental reimbursement.

This coverage protects you from employee dishonesty, theft of money or securities, and forgery.

Inland marine
Covers your valuable papers, EDP, signs, small watercraft, property off premises, and miscellaneous articles and equipment.

Management liability

  • Directors and officers liability
  • Employment Practices liability

Note: For more information on management liability coverages, contact your agent.

Coverages are subject to state availability, approval, etc.

Get a quote

Contact one of our appointed Markel Specialty agents to start your camp insurance quote today!