Oregon 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.
Camps allow patrons to experience outdoor activities away from home. They may be private or public and are often affiliated with a religious or social organization. Some specialize in facilities for the physically or mentally handicapped.
Camps range from day camps with no lodging facilities to full-service camps with restaurants, sleeping quarters, and spas. Campers may arrive at the camp by bicycle, boat, bus, horseback, motorcycle, or private car. Camps usually have hiking trails, open shelters for classes or meals, playgrounds, restrooms (often with showers), a retail convenience or grocery store, and a service or utility building for laundry or recreation.
Recreational activities offered may include boating, canoeing, climbing, fishing, horseback riding, hunting, swimming (in a pool or lake), or tennis courts. Some offer lots or pads to allow tourist-type camping in tents and recreational vehicles. Others may offer storage of vehicles in the off-season.
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 Oregon camp insurance, working with an agent who is seasoned in the type of insurance you need is important.
Oregon camp insurance protects your business from legal liability with rates as low as $67/mo. Get a fast quote and protect your camp now.
Liability coverage for camps can be extremely difficult to place due to the nature of camp operations. Consider their clientele. Some camps may accept children as young as five years old. Almost constant supervision of children of this age would be needed to prevent injuries.
On the other hand, camps that accept older children have many more activities, including swimming, boating, horseback riding, etc., that create more risk of accident and injury. In addition, any camp owner or director is well aware of the catastrophe hazard from a conflagration, floods or rising water, food poisoning, drowning or epidemics.
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:
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 Oregon 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.
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 Oregon 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.
A good liability policy is important to keeping your camp covered. It usually offers a basic level of Oregon camp insurance coverage, including:
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 Oregon camp insurance rates.
Premises liability exposure is high due to the large number of visitors to the camp. Participants can trip, slip or fall on rough terrain, be struck by vehicles or projectiles, attacked by animals or insects, suffer exposure to harsh weather elements, or drown. Camp counselors working with children or the disabled must undergo thorough background checks, including criminal. Supervision is vital to protect the campers.
On-site medical care must be available as camps are often located in remote areas away from hospitals or clinics. Activities should be age-appropriate, with safety measures in place. If open fires are permitted, all fires must be extinguished and cooled to prevent the spread of fire. The condition of access roads, security of the camp, and the condition of the park are other liability concerns.
Water purity should be checked on an ongoing basis. Playground equipment must be properly maintained and documented. Water sports such as swimming, boating, and fishing, must be carefully monitored and appropriate signage and guards in place. Personal flotation devices (PFDs) should be provided when on lakes or rivers. Life saving equipment should be accessible at all times. Personal injury losses may occur due to alleged wrongful eviction, invasion of privacy, or discrimination.
Some camps may use volunteers rather than employees in many positions. These volunteers should be subject to the same background checks as employees and receive similar training. Volunteer injuries are often not covered under workers compensation, so accident and health policies may be appropriate.
Workers compensation exposure is high. Camping activities are generally done in remote areas not easily accessible to emergency assistance. Slips, falls, insect bites, and back injury from lifting, hernia, sprains, and strains are common. Camp counselors can be injured hiking in natural terrain, from projectiles, by falling objects, encounters with wild animals, or drowning from water sports. Food preparation operations can result in cuts, scrapes, and burns.
Drivers can be injured in over-the-road accidents. Contact dermatitis or respiratory ailments may result from janitorial and maintenance responsibilities. If there are other operations, such as lodging, logging, tree trimming, or application of herbicides or pesticides, refer to those narratives.
Property exposure is high as camps are generally located in remote wooded areas miles away from public firefighting resources. There should be fire detection and firefighting capabilities within the camp to control a small fire. If there is a snack bar or restaurant, all cooking equipment should be properly controlled. If the facility is seasonal, a caretaker should stay on premises or a security service should check each day for vandalism or small fires.
Crime exposure is from employee dishonesty. Background checks should be conducted on all employees handling money. All ordering, billing, and reimbursements should be separately monitored functions. Both internal and external audits should be conducted at least annually.
Inland marine exposures include accounts receivable for campers' deposits and payments, contractors' equipment used to maintain the premises, and valuable papers and records for campers' records and contracts with vendors. Theatrical property, audio-video or musical equipment should be covered with a commercial articles floater.
Business auto exposure may be limited to hired and non-owned for employees running errands. If there is transport, pickup, or delivery of campers, all drivers must have appropriate licenses and acceptable MVRs. Vehicles must be regularly maintained and records kept.
You should also consider a business policy or BOP (business owner's insurance policy) for your camp. This Oregon 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.
If you are thinking about doing business in the Pacific Northwest, you might have your sights set on Oregon. However, before you set up shop, it's important for you to have an understanding of the economy - so that you can make the best decisions possible. It's also important for you to know what type of business insurance policies you are legally required to carry in order to do business in OR.
In order to help set you up for success, below, we highlight some of key information regarding the economy in Oregon, as well as the regulations regarding commercial insurance.
In 2018, Oregon is projected to see an increase in their economy. The unemployment rate was 4.1 percent at the end of 2017, and it is expected that it will either stay the same or drop even lower by the end of 2019.
There are several industries that are expected to contribute to the job market and the economy overall in the state of Oregon. The industry that is expected to see the most gain in this state during the 2018 calendar year is construction, with an increase of 10.5 percent. The manufacturing industry is also expected to see significant growth, with a forecasted increase of 4.3 percent. Other industries that are expected to see growth in OR in 2019 include:
The Division of Financial Regulation oversees the insurance industry in Oregon. Here workers compensation insurance is mandated. If you employ one or more person, whether that person is full-time or part-time, or is hourly or salaried, you are legally required to carry this type of coverage. Additionally, you must carry commercial auto insurance if you operate vehicle for any business-related purposes, whether it's meeting with clients, making deliveries, or transporting goods.
While commercial general liability insurance is not required in OR, it is highly recommended. This type of coverage will protect you from any lawsuits and the accompanying settlements that may arise in the event that some slips and falls, or claims that you damaged their property. You should also consider investing in commercial property insurance, as it can help to offset the cost of any property losses that you might experience.
Find informative articles on miscellaneous businesses including the types of commercial insurance they need, costs and other considerations.
An insurance contract is an agreement where one party obligates itself to make good the financial loss or damage sustained by a second party when a designated event occurs. The event must be fortuitous and happen by accident. The named insured must have insurable interest at the time of loss. One final point is that in order for any contract to be considered insurance, there must be a risk of loss.
Fortuitous Event - An occurrence largely beyond the control of any involved party; happening by chance; accidental; for example: fire, lightning, windstorm, explosion or flood.
Insurable Interest - In order to recover from a loss to property, the holder must have an insurable interest in the property at the time of the event or occurrence. An insurable interest is any right, title or interest in property where the holder of that right, title or interest sustains financial loss if the property is damaged or destroyed. Any lawful and substantial economic interest in the safety or preservation of the property from loss, destruction or damage also constitutes an insurable interest.
An entity does not have to be the property owner to have an insurable interest in it. Examples include, but are not limited to, mortgagees, trustees, vendors, lessees and bailees. Insurable interest for any entity must exist at the time the loss occurs.
Risk Of Loss - If property could never be destroyed, there is no risk of loss. If property must necessarily disintegrate or be destroyed, there is no risk of loss. Between these two extremes is the exposure of risk that can be insured.
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