Pennsylvania 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 Pennsylvania camp insurance, working with an agent who is seasoned in the type of insurance you need is important.
Pennsylvania camp insurance protects your business from legal liability with rates as low as $37/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 Pennsylvania 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 Pennsylvania 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 Pennsylvania 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 Pennsylvania 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 Pennsylvania 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.
While you might have a fantastic idea for a business, if you aren't setting up shop in the right PA location, there's a good chance that you won't see the success that you hope to achieve. With that said, it's important that you have an understanding of the economic status of the state that you are thinking about doing business in. It's also important for you to know what type of rules and regulations regarding insurance are in place in that state.
If you are thinking about doing business in the Commonwealth of Pennsylvania, keep on reading to find out some valuable information that you can use to make the best choices for your operation.
In terms of the economy, Pennsylvania's future looks pretty bright. It boasts the sixth largest economy in the United States. It is also home to some of the largest private and public organizations in the nation, as per sales.
The job market is expected to see steady growth in Pennsylvania during the 2019 calendar year. That rate is expected to be 1 percent, which is a marked increase from previous years. This is largely due to the high pool of educated laborers that reside in the state. Currently the unemployment rate is 4.9 percent, which is on-par with the rest of the nation. It is believed that the unemployment rate will continue to drop as more jobs are added.
For business owners, there are several industries that will afford success. The food products industry, particularly related to agriculture, contributes largely to the state's economy. This is expected to continue moving forward throughout the 2019 calendar year. Other industries that are forecasted to see growth include:
If you are thinking about doing business in PA, working in one of these industries will likely afford you success.
The Pennsylvania Insurance Department regulates insurance in PA. Business owners are legally required to carry workers compensation insurance. This type of coverage is a must for any business that employs any W2 part-time or full-time employees, and for employees that are either hourly or salaried. You must also carry PA commercial auto insurance if you plan on using a vehicle to conduct anything related to your business.
While commercial liability insurance is not required in Pennsylvania, it is still a wise idea to invest in. This type of coverage will protect you from the cost of any lawsuits that could potentially arise.
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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