Washington Camp Insurance (Quotes, Cost & Coverage)

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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.

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Washington Camp Insurance

WA Camp Insurance

Washington 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 Washington camp insurance, working with an agent who is seasoned in the type of insurance you need is important.

Washington 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

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:

  • 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.

Washington Specialty Camps Liability Exposures:

  • Adult Camps - Concerns are typically such camps are two or three day stints with adults who are looking for a chance to indulge certain hobbies or recreation, such as hiking, fishing, sports, etc. However, other camps may represent far different exposures, catering to participants who are seeking special guidance or rehabilitation services. While there is a reduced need for the level of supervision, greater evaluation should be turned toward any specialized counseling and other skills required by the specialty offered by such camps.
  • Air Camps or Flight Schools - Concerns are subjects participants to aviation risks, so loss severity is likely to be the primary concern.
  • Boating Camps - Concerns are watercraft activities, whether they involve canoes, water-skis, sailing, jet skis, windsurfing, or other watercraft expose participants to drowning and injury.
  • Boot Camps - Concerns are such camps cater to older children who have demonstrated significant behavioral issues, so their focus is on instilling and maintaining discipline while involved in, typically, challenging activities. Physical activities that rely on teamwork are common. Camp staff may need special training as well as background checks.
  • Camps For The Disabled - Concerns are inherently dangerous activities heightened by greater vulnerability to injury and higher need for full-time supervision, including special medical needs.
  • Counseling Camps - Concerns are these camps specialize in treatment for participants battling problems with various addictions and related problems, high supervision, higher liability exposures, including malpractice.
  • Day Camps - Concerns are the particular exposures depend upon the focus of chosen activities. However, camps that do not feature overnight stays tend to cater to younger participants. Therefore, the number of staffers tends to be fewer and activities are usually recreational.
  • Extreme Camps - Concerns are operations specialize in high-risk activities such as mountain climbing, skydiving, skiing or snowboarding, bungee activities, endurance racing or trials.
  • Fitness Camps - Concerns are designed for improving the physical health of participants, special attention should be paid to staff's expertise and training in several areas including health, first aid training, supervision, and monitoring participants. Such camps also make use of nutritionists and chefs as well as dieticians. In these camps, the activity workers should also be in superior physical shape since they are responsible for demonstrating many exercises or leading campers in physically challenging tasks.
  • Gender Specific Camps - Concerns are such camps can involve any number of activities and themes, the only difference being that they only serve a single gender, so that fact needs consideration when evaluating such submissions.
  • Martial Arts Camps - Concerns are these camps often feature high levels of physical contact amongst participants as well as offering programs involving physical conditioning and endurance training. They may also involve competitions and exhibitions of developing skills.
  • Military Camps - Concerns are such camps often have programs involving physical conditioning and endurance training, use of obstacle courses as well as combat and weapons training.
  • Outward Bound - Concerns are campers are given just the barest of necessities and must exercise serious survival skills in the wilderness for extended periods.
  • Performing Arts Camps - Concerns are these camps cater to budding young artists who seek an outlet for their creative side. At these camps, the main focus is usually on that specific hobby, and camp employees who deal with the campers, like the counselors or administration, usually must have vast knowledge of a given hobby. As campers get older, experts in the field are crucial to provide the best camping experience. Special attention should be made regarding equipment and materials that are traditionally used with given activities which may give insight to loss vulnerabilities.
  • Religious Camps - Concerns are faith based camps typically cater to providing activities and skills-building for their younger members. Whatever activity they specialize in will also involve their given religious practices. Staffers likely are adult church members.
  • Scouting Camps - Concerns are Boy and Girl Scout camps are very popular children's camps. Camp staffers typically are former scouts. Camp exposures are similar to those found in fitness and performing arts camps. Activities usually center on involving scouts in earning merit badges and developing various skills and scout-related ceremonies. Note that these also share similarity to Gender Specific Camps.
  • Scuba Diving Camps - Concerns are underwater adventure risks to watercraft risks.
  • Space Camps - Concerns are they include additional exposures of being run jointly by local (business) and government owners.
  • Travel Camps - Concerns are camps that sends participants around the U.S. and to foreign countries, exposing campers to hazardous areas, some with hostile political climates.
  • Winter Camps - Concerns are winter camps focus on cold weather activities that subject participants to possible hypothermia and frequent injury.

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 Washington 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 Washington 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 Washington 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 Washington camp insurance rates.

Washington Camp's Risks & Exposures

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.

Protecting Your Camp Business' Financial Future

You should also consider a business policy or BOP (business owner's insurance policy) for your camp. This Washington 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.

Washington State Economic Outlook & Business Insurance Requirements

For anyone who is thinking about starting up a business, it is important that they choose a location that suites the industry that they wish to work in. With that said, in order to determine whether or not a location is the right choice for your business, you should have an idea about the state's economic status. You should also have an understanding of the WA state regulations related to the types of commercial insurance that you are required to carry.

Made In Washington

If you are thinking about starting up a business in the State of Washington, below, we offer some insight into the state's economic status. We also offer a glimpse at the WA insurance requirements that business owners must abide by.

State Of The Economy In Washington

Washington state may be famous for its gloomy weather, but when it comes to the economy, things here look bright. The economic outlook for Washington is healthy. It is expected that there will be more jobs added in the 2018 calendar year. There will be an increase in the productivity of labor. There will also be an increase in the state's unemployment rate during the year 2018, with a forecasted rate of 4.7 percent.

Washington is regarded as one of the top for businesses in the nation. In fact, it is listed at the 11th best state for business by Forbes. The industry that is expected to see the most growth are related to STEM (science, technology, engineering, and math). Among the top industries in this state include information technology. Education, healthcare, finance, and travel and tourism also contribute largely to the awesome economy of this state.

Commercial Insurance Requirements In WA

The Washington State Office of the Insurance Commissioner regulates the insurance industry in WA. Businesses are legally required to carry workers' compensation insurance. This type of coverage is required for any business that employs either hourly or salaried employees, and either part-time or full-time employees. You are also required to carry commercial auto insurance if you use a vehicle to conduct any type of business in this state. That means that if you are using a car to transport goods, make deliveries, or meet with clients, you must carry business auto insurance.

While commercial general liability insurance is not required in Washington, it is highly recommended. This type of insurance offers protection from lawsuits and other legal fees that may arise.

Additional Resources For Miscellaneous & Non-Profit Insurance

Find informative articles on small business commercial insurance for miscellaneous and non-profit 501(c)(3) businesses.


Miscellaneous And Non Profit Insurance

For 501(c) Non-Profits - Directors And Officers Liability Insurance has become an increasingly important policy to have. D&O coverage protects insured directors or officers against claims involving allegations of wrongful acts occurring while performing their duties as such. The insurance is divided into two separate coverages:

Side A coverage reimburses the individual directors and officers for payments made for loss each has incurred because of wrongful acts.

Side B coverage reimburses the corporation for the payments it has made on behalf of the directors or officers themselves.

General Liability is a foundational policy for almost any business. Most companies do not have any control over the final cost of injuries to a person injured because of their operations, products, or services. The person injured may be a young child, a blue-collar worker, a surgeon, or a homeless person.

The cost of the injuries may be comparatively minor or run into the millions of dollars, depending on the person and the extent of his or her injuries. Do you have sufficient assets to pay such a loss?

Commercial general liability insurance is designed to help you protect your assets with three main coverages:

  • Coverage A: Bodily Injury and Property Damage Liability
  • Coverage B: Personal and Advertising Injury Liability
  • Coverage C: Medical Payments

Request a free Washington Camp insurance quote in Aberdeen, Anacortes, Arlington, Auburn, Bainbridge Island, Battle Ground, Bellevue, Bellingham, Bonney Lake, Bothell, Bremerton, Burien, Burlington, Camas, Centralia, Chehalis, Cheney, Clarkston, College Place, Covington, Des Moines, DuPont, East Wenatchee, Edgewood, Edmonds, Ellensburg, Enumclaw, Ephrata, Everett, Federal Way, Ferndale, Fife, Gig Harbor, Grandview, Hoquiam, Issaquah, Kelso, Kenmore, Kennewick, Kent, Kirkland, Lacey, Lake Forest Park, Lake Stevens, Lakewood, Liberty Lake, Longview, Lynden, Lynnwood, Maple Valley, Marysville, Mercer Island, Mill Creek, Monroe, Moses Lake, Mount Vernon, Mountlake Terrace, Mukilteo, Newcastle, Oak Harbor, Olympia, Othello, Pasco, Port Angeles, Port Orchard, Port Townsend, Poulsbo, Pullman, Puyallup, Redmond, Renton, Richland, Sammamish, SeaTac, Seattle, Sedro-Woolley, Selah, Shelton, Shoreline, Snohomish, Snoqualmie, Spokane Valley, Spokane, Sumner, Sunnyside, Tacoma, Toppenish, Tukwila, Tumwater, University Place, Vancouver, Walla Walla, Washougal, Wenatchee, West Richland, Woodinville, Yakima and all other cities in WA - The Evergreen State.


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