Camps and Overnight Events

Welcome to Event Insurance Now, a fully online platform for those in need of Event Liability Insurance. Our online system is designed to easily provide a general liability insurance quote and allow you to purchase event insurance instantly for dozens of event classes, in all 50 states. In some cases however, the Spectator Liability offered online, may NOT be the right policy for an event/event producer.

Camp Insurance

Camp Insurance coverage can be placed for Youth Camps and Overnight Events which may include a variety of athletic/sporting activities including hikes, canoeing, fishing from shore, dancing, relay games, etc. For these types of activities, coverage can be purchased to include protection for claims made BY participants. This coverage is often referred to as "participant liability", AND will also protect the insured for spectator occurrences. This "participant liability" policy can offer protection for the camp/event as well as coaches and staff.

General Liability Insurance

General Liability Insurance Coverage includes protection for claims involving
Injury or death to participants, volunteers, and spectators
Damage to rented premise
Use of fields or practice areas
General negligence

Summary of Coverage

• $3,000,000 - Aggregate (total limit for the duration of the event)
• $1,000,000 - Products/completed operations
• $1,000,000 - Personal & advertising injury
• $1,000,000 - Each occurrence
•    $100,000 - Fire damage & property damage to leased premises
  (higher limits may be offered, see quotation for additional details)

In order to be eligible for this participant liability, a layer of Accident Medical coverage must be purchased as well. Both General Liability and Accident Medical will be offered in a single package proposal.

Accident Medical coverage pays for the medical bills of an injured participant or staff member incurred while participating in sponsored activities.

If you wish to receive a quotation for Participant Liability, please complete our:

Camps and Overnight Events Application

Spectator Liability/Public Liability Only

May be appropriate for camps/overnight events with no athletic activities

Our online program offers Special Event Liability Insurance to those in need of liability coverage for their events lasting just one day, or up to 10 days in length. Our insurance policy is designed to protect the policyholder against lawsuits, claims made related to bodily injury of others, and property damage to the rented premise. It does not however, include protection for claims made by Athletic Participants/from Athletic Participation. Also Included in our program price is protection for the service (hosting) of alcohol. This affordable, broad form liability policy has no deductible.

Our policy, called a Commercial General Liability (CGL) policy, is often referred to as "public liability" or "spectator liability" and will satisfy the requirements of most rental locations. The policy can also name the venue as Additional Insured at no extra cost.

Here is a brief summary of coverage

• $3,000,000 - Aggregate (total limit for the duration of the event)
• $2,000,000 - Products/completed operations
• $1,000,000 - Personal & advertising injury
• $1,000,000 - Each occurrence
•    $250,000 - Fire damage & property damage to leased premises

Also

• Contractual liability provided
• The facility can be named as an Additional Insured at no extra cost
• Multiple additional insureds can be added for additional premium
• Host liquor liability provided (those not in the business of serving and selling)
• Volunteers as additional insureds.
• Set up and take down (day before & day after) included.

Exclusion

• Athletic participants (We have an alternative program available for this exposure, please ask)
• Collapse exclusion (tents)
• Amusement devices, rides
• Inter-company liability suits
• No fault medical payments

Optional additional coverages are available through this online program

• Umbrella Liability - $1M limit at $500 minimum additional premium
• Hired and Non-Owned Auto Liability - $1M limit at $650 minimum additional premium
• Commercial Liquor Liability - $1M limit at $500 minimum additional premium