Camp liability

General liability

A must for all camps, general liability insurance protects you if you are sued by someone who claims that you caused their physical injury or damaged their property. The Counselor offers limits up to $1 million per occurrence/$5 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
The Counselor offers this critical coverage for situations that can be explosive. The Counselor's professional, compassionate claims associates are experts at successfully resolving sensitive claims involving children, and will handle your claim with discretion and tact.

Child abduction liability
If a child is kidnapped from camp, The Counselor pays expenses the camp and the child's parents incur to recover the child, up to the limit.

Professional liability
Allows staff, doctors, nurses, and EMTs to perform their professional duties without fear of devastating lawsuits, defense costs, and judgments. Without it, you could end up footing the bill alone.

Special events
This coverage protects you from liability during field trips, fundraisers, and other special events. You don't need to buy a separate policy for most special events.

Saddle animal liability
If your camp has a horseback riding program, this coverage is a must.

Volunteers as additional insureds
When your camp uses volunteers, they're acting on your behalf. This coverage defends their unintentional negligent acts as it defends your own.

Umbrella liability
Provides extra protection for catastrophic events. Limits up to $15 million are available.