New York Camp Insurance
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Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
New York Camp Insurance
New York Camp Insurance. If you are a supervisor or director at a camp, then you know all too well that it's fun and games until someone gets injured. Kids love camping and being in the great outdoors with their friends, but it is your job to ensure their safety while protecting the camp from any lawsuits and potential liability. With the proper insurance, you can rest assure that the carefree campers attending camp are protected and that your camp isn't left holding the bag for accidental injuries and other claims.
To get the best New York camp insurance, working with an agent who is seasoned in the type of insurance you need is important.
New York camp insurance protects your business from legal liability with rates as low as $67/mo. Get a fast quote and protect your camp now.
Risks at Camp
There are several risks that are specific to the operation of a children's camp that you need to be aware of and protect yourself from. These include:
- Premise liability claims. You have the responsibility to review the activities of the camp and to inspect the camp's facilities to ensure that campers are not injured.
- Claims resulting from failing to perform needed background checks on staff. From employees to counselors and volunteers, it is your responsibility to perform background investigations to make sure that counselors have no history of sexual or child abuse. If you fail to do so and a problem arises, the camp can be held responsible for the staff's actions.
- Risk of injuries. Unless a waiver has been signed by the child's parents, then camper injuries generally result in the camp being held responsible for medical bills and other claims.
Reducing Your Camp's Exposure to Risk
Although camp is inherently fun, there are also inherent risks for the camp to consider. These include camper injuries and negligence or misconduct from employees. A good summer New York camp insurance policy protects the camp from liability problems that they face, include the cost of any accidents to staff and campers. If the camp is run as a business, then it is also important to protect your business activities with business insurance. A comprehensive policy for your camp provides liability coverage, accidental medical payment coverage, coverage for property damage, worker's comp, and interruption of business.
Accidental Medical Insurance
One of the most valuable coverage types is accidental medical insurance coverage. This coverage protects campers, staffers, visitors, and others. Because accidents can and do happen all the time at camp, this policy can be invaluable for compensating injured parties who require medical care. Group coverage typically takes care of expenses for injuries and illnesses that occur at camp or those that begin at camp and cause problems later on. Some types of policies also cover dental accidents and injuries. Usually, these New York camp insurance policies come in two options, including primary medical policies that pay on top of the injured/ill person's health insurance and one that acts as a primary policy in and of itself.
Primary insurance is ideal for groups, especially for members with no existing health or accident insurance. This insurance pays claims directly after an accident, and it pays for covered occurrences even if you have additional insurance.
Excess insurance is one that covers deductibles for the injured party's personal insurance plan. It might also pay for expenses and coinsurance that are left over after personal insurance claims are closed. It is usually less comprehensive when compared to personal insurance.
Protecting Yourself from Camp Liabilities
A good liability policy is important to keeping your camp covered. It usually offers a basic level of New York camp insurance coverage, including:
- Bodily injury. If someone becomes injured on your camp's property or because of some action made by the camp or its employees, this insurance covers claims, including the cost of medical treatment and pain-and-suffering awards.
- Property liability. This type of insurance covers damage to third parties by the camp or its representatives.
- Medical payments. This coverage provides payment for medical expenses for injured persons. It may exclude campers.
Special Coverage for Sports Camps
Sports camps are always popular, and they are hosted by colleges, local organizations, and schools for kids interested in football, basketball, volleyball, and soccer. Special coverage for sports camps usually comes with group accidental medical payment coverage that the company customizes to the camp's particular sport. In some instances, camps require waivers from participants prior to beginning a session at camp.
The type of sport hosted at the camp largely determines the risks involved and thus, the premiums charged. For example, a golfing camp might pay much less than a contact football camp. Your licensed commercial agent can help you understand the nuances that affect your New York camp insurance rates.
Protecting Your Camp Business' Financial Future
You should also consider a business policy or BOP (business owner's insurance policy) for your camp. This New York camp insurance policy type affords coverage for loss of income, commercial autos, worker's comp, and other coverages that are specific to the operation of your business. Again, work with your agent to mitigate your camp's risks with the right level of protection.
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