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Youth Day Camps

This program is designed for U.S.-based youth day camp operations (those attended by campers age 19 or under) with programs dedicated to activities other than sports skill development. Coverage provided under this program includes important liability protection
for the camp, including its employees and volunteers, for liability claims arising out of its operations. In addition, the program provides
medical payments for participants coverage to the camp participants. Coverage is provided on an annual basis, but only applies to those
camp sessions that are specifically reported.
Coverage is provided by a carrier rated A (Excellent) by A.M. Best Company.

Note: Day camps that may not be eligible for the program outlined below and/or have more complex coverage needs should visit our Camp Program. Sports related day camps should visit our Sports Camps Program.

Eligible Operations
Youth day camps offering programs in the following categories are eligible to submit an enrollment for this insurance program
- Academic day camps - Math day camps
- Arts and craft day camps - Music day camps
- Computer day camps - Performing arts day camps
- Creative writing day camps - Photography/film making day camps
- Culinary day camps - Science day camps
- Etiquette day camps - Vacation bible schools
- Incentive building/Lego® day camps
Ineligible for this program: (please note, this is not a complete listing of ineligibles)
- After school/day care/latch key programs - Camps held at premises owned or maintained by the insured
- Camps involving animals other than service animals
- that provide overnight accommodations
- Camps with activities away from main location, unless -
100% virtual camps/operations
reported and approved by company prior to taking place -
Hunting and/or nature camps/programs

Sports camps

*Please contact us for more information on coverage availability for day camps/clinics for youth with an accompanied adult (e.g. parents and me camps)
Coverages Available & Program Highlights

Commercial General Liability

- Damage to Premises Rented to You (Fire Legal Liability)
- Bodily Injury and Property Damage  
- Personal & Advertising Injury  
- Medical Expense (other than participants)  
- Products-Completed Operations    
- Legal Liability to Participants    
- Professional Liability    
- Medical Payments for Participants    
- Hired Auto and Employees' Nonownership Liability    
  (not provided while in Hawaii)    

Program Features

Owners of camp premises and financial sponsors may be named as additional insureds for claims arising out of your operations. There is no additional premium charge or fees for certificates of insurance evidencing this coverage.

Notable Exclusions

- Abuse, molestation, harassment, or sexual conduct - Haunted attractions
- All operations listed as ineligible - Lead
- Amusement Devices (e.g.: rides, slides, inflatables, - Nuclear energy
  bungees, climbing walls, dunk tanks) - Open water activities
- Asbestos - Ownership, operation, maintenance or management of any
- ATV use

facility other than while being used for covered activities
- Boating activities
- Communicable disease
- Separate ticketed events
- Employment-related practices
- The use of power tools, unmanned aircrafts and combustion
- Equestrian activities
- Transportation of participants
- Fireworks
- Violation of statutes that govern e-mails, faxes, phone calls
Fungi or bacteria
or other methods of sending materials or information


Underwriting Information Required

The following information is required 10 business days prior to the desired effective date:
- Completed and signed enrollment form    
- Full payment by check or credit/debit card    
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