Equestrian or Riding Camp Insurance

Our Equestrian or Riding Camp Insurance is right for any camp in any and all age groups.

Overnight Camps Day Camps Summer Camps Football Camps Baseball Camps Basketball Camps Soccer Camps Extreme Sports Sports Camp

Church or Religious Camps Band or Music Camp Dance Camp Computer Camp Summer Camp Equestrian or Riding Camp Special Needs Camp Weight Loss Camp Self Improvement Camp Any kind of sports and/or youth related camp

Camp directors may not always be aware of all the exposures their businesses face. Working with children presents unmatched rewards, but also creates unique risks from the insurance perspective. While camp directors or owners should consult with qualified insurance professionals to determine the protection their facilities need, they don't have to be experts to understand the fundamentals of a good insurance program.

Liability coverage

While good liability coverage is essential for every business, child-related businesses need specialized, high quality protection. Children's camps need coverage that reflects their unique risks, exposures, and operations. General liability provides payment for sums you become legally obligated to pay because of damage to property of others or injuries to others that arise out of your negligence.

Umbrella liability offers extra liability insurance above your primary liability and auto policies. This coverage is designed to protect you and your assets in the event of a catastrophic accident.

Sexual abuse liability will protect you from allegations of sexual abuse due to negligence in your hiring, training, or supervisory practices. Defense costs should also be covered above the policy limit, which means that you will be able to defend your reputation vigorously against these damaging assertions.
Child abduction liability provides payment for reasonable and necessary expenses incurred by the camp and a child's parents following the abduction of a child from camp. Examples of covered expenses should include:

fees and expenses of investigative services

rewards leading to the recovery of the child

public relations and publicity costs

fees of independent forensic analysts

travel expenses and salary lost by parents during the search for a child

rest, rehabilitation, and psychiatric expenses for the child and immediate family members

medical services and hospitalization for a recovered child

Directors' and officers' liability coverage provides individual protection for camp directors and officers against wrongful act lawsuits brought by customers, competitors, creditors, and others. Camp directors and officers make business decisions every day. However, if problems result from those decisions, the facility's general liability coverage may not protect these professionals. Courts continue to debate whether "detrimental management decisions" can cause injury as defined by most general liability policies. The professionals who manage a camp could find themselves defending their decisions in court.

Employment practices liability protects against the threats that employers face, such as allegations of sexual harassment, wrongful termination, and employment discrimination. In this day and age, this coverage has become more and more of a hot button for employers in all industries, especially in the social services realm.