Camps Insurance

Camps Insurance

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K&K’s Camp insurance program provides coverage for a variety of eligible camp operations. Coverage may protect camps from liability and property claims arising from accidents, injuries, property damage, and other potential incidents.

It's important to work with an experienced insurance provider who understands the unique risks and challenges associated with running a camp. At K&K Insurance, we understand that every camp is different, and we work closely with agents and their clients to develop customized camp insurance solutions for each camp’s specific needs.

Eligible Operations
- Activity camps - Learning camps
- Boy scout councils - Religious retreats
- Conference centers - Resident camps
- Day camps - Summer camps
- Leadership camps
Ineligible for this program:
Athletic/sports focused camps, travel camps, boot camps,   
extreme camps
Note: Sport & smaller nonsport day camps may qualify for coverage under K&K's Risk Purchasing Group

Coverages Available & Program Highlights

General Liability Property
-Sexual Abuse & Molestation Endorsement - per perp
 -    More Than 25 Coverage Expansions

form (subject to qualification based on minimum underwriting
 -    Equipment Breakdown Included

 -    Vacancy Clause redefined to address seasonal operations
- Non-audited policy
 -    Building definition redefined to include; tent platforms,   
- Broadened coverage form
      pavilions & shelters, signs, boat & canoe racks,
- No deductible
      permanently installed playground equipment, adventure 
- Fireworks Liability
      course structures and climbing walls and athletic back 
- Expanded Bodily Injury Definition
- Nonowned watercraft up to 51'
 -    Outdoor property (trees, shrubs or plants)
- Personal and advertising injury definition expanded
 -    Emergency vacating expenses covered
Camp Director Liability
 -    Business interruption (Civil Authority Expansion 
Medical Professional Employee/Volunteer Liability
​     Available in certain states)
Cyber Liability Coverage
-    Building Ordinance "A" Coverage
​Crisis Response Coverage
Commercial Auto   
Excess Liability Crime
Workers' CompensationEvent Cancellation & Non-appearance

Inland Marine 
Common Associated Exposures
-Hiking trails-Horseback riding
-On-site physician/nurse-Paintball courses
-Ropes courses/climbing walls/ziplines
-Recreational boating/canoeing
Key Underwriting/Qualifying Factors (Including but not limited to)
-Camps must have system for personnel screening, written-Camp certified by ACA, CCCA or equivalent preferred
 sexual abuse & molestation procedures and criminal -$5,000 minimum account premium
 background checks  
Preliminary Underwriting Information Required
-K&K Applications-ACORD applications for other requested coverages
-Five years of detailed, currently valued company loss runs-Photos of facility
-Web site address(if available)-Copy of rental contract
-Copy of sexual abuse screening & written procedures-Diagram or "Plot Plan" of premises