When organizing camps, there are two policies that are essential: liability insurance and accident insurance. The organizers of these activities should be concerned about these issues that are essential for any problem that may arise. Today we explain all the details about what is known as camp insurance or summer camp insurance.
Campground insurance and how to be well protected
The main concerns when we send a child to camp are two things: of course that he/she has a good time and, for our peace of mind, that he/she is safe.
This security is made up of several factors: experience, good organization, planning of activities, following the security measures for camps… and, in addition, that the camp has the appropriate insurance policies, in case something happens. That something translates into:
- A accident of a child that results in the need for prompt medical attention at a medical center.
- A serious problem that could expose the camp and its organizers to a claim, either from a parent, a supplier or any other third party “harmed” for any reason.
In both cases, an insurance policy will take care of these issues so that the problem does not escalate: in the first case, the camp ‘s accident insurance and, in the second case, the summer camp liability policy.
Accident insurance for the summer campus
This is the policy that is most often used in the event of a problem at the camps, and it is through this policy that the person who has had an injury, whether due to a fall or another type of accident, is attended to in a medical center.
Accident insurance is essential in summer camps, as it is in schools, sports tournaments, etc.
It will be essential to have an accident insurance with unlimited health care in approved centers. This is the essential guarantee of this summer camp insurance.
Camp liability insurance
As we indicated at the beginning, sometimes problems arise in the camps, which can be minor or serious. For the latter, there is usually the Civil Liability insurance:
- Food poisoning
- Serious injuries to a child or youngster, with possible negligence of the monitors.
- Serious injuries also of the monitors: as workers of the camp, there must be a Civil Liability policy with Employer’s Liability and agreement.
- Any problem with the facilities resulting in a complaint
It is very important that the camp organizers offer full guarantees with this insurance, as it is useful:
- For the parents of the boys and girls: it brings peace of mind.
- In the event of a claim, they will need good coverage and legal defense.
Is there mandatory insurance for summer camps?
In some Autonomous Communities the regulations require the presentation of current accident and civil liability insurance policies, which cover the safety of the participants and the damages or flaws that the group may cause. This is the case when camps are organized in regions such as Andalusia, Navarra, Catalonia or Asturias. In any case, when camp insurance is not compulsory, most organizers choose to have one to “cover their backs” against possible accidents and unforeseen events.
PIB Group Iberia has experience in insuring various camps, whether they are language camps, sports camps or camps in nature and rural environments. If you want to be well informed and count on our support, contact us without obligation.
