The Hartford doesn’t offer summer camp insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Summer Camp Insurance?
Summer camp insurance is made up of different types of business insurance coverages designed to help protect you from the risks you might face as you run your camp. Also known as day camp insurance, it’s designed to help safeguard against incidents like camper injuries, staff accidents, property damage and equipment theft.
Although The Hartford doesn’t offer insurance for camps, we help connect you with Tivly, so you get the coverage you’re looking for.
Why Might You Need Summer Camp Insurance?
Summer camp insurance is a collection of coverages that can help shield your camp from financial losses caused by everyday risks. Even with the best staff and safety practices, accidents can still happen. For example, a counselor might suffer a back injury while setting up a ropes course. A camper could fall during a hike and need medical attention. Or a burst pipe could force you to cancel a week of camp and lose income. These kinds of incidents could lead to lawsuits or expensive recovery costs.
Camp insurance can help protect your business from many potential risks, like:
- Camper Injuries: A child gets hurt in your care and their family sues.
- Equipment Theft: Archery gear or sound equipment goes missing during off-hours.
- Auto Accidents: A staff member gets into a collision while driving campers in a company-owned vehicle.
Who May Need Summer Camp Insurance?
Many types of businesses that organize summer camps can benefit from insurance coverage, such as:
- Day camps
- Sports camps
- Overnight camps
- STEM camps
- Adventure camps
What Summer Camp Insurance Coverages Might I Need?
When it comes to protecting your summer camp, you’ll want coverage that matches your potential risks. Many camp owners have a Business Owner’s Policy (BOP) because of the peace of mind it can provide.
A BOP combines three types of coverage to help protect your summer camp from common risks:
General liability insurance helps protect your camp from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect your owned or rented building and venue that you run your camp from, as well as the tools, equipment and inventory you rely on. These can include your:
- Sports equipment
- Tents
- Communication equipment, like walkie-talkies and radios
- Computers
- Hiking equipment
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property damage caused by fire, wind or theft.
It’s important to remember that a BOP won’t cover every kind of claim your camp might face. You’ll need other types of coverage to create a comprehensive insurance plan, including:
Workers’ compensation insurance to give your counselors and staff benefits to help recover from a work-related injury or illness.
Workers’ compensation insurance to give your counselors and staff benefits to help recover from a work-related injury or illness.
Commercial auto insurance to help cover bodily injury or property damage claims from a car accident your business causes while you or an employee drives a company-owned vehicle for work.
How Much Does Summer Camp Insurance Cost?
Although The Hartford doesn’t offer coverage for summer camps, here are the average costs our small business customers pay for common types of coverages. You can use these amounts to help estimate your insurance costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of summer camp insurance varies because every business has unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific summer camp insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A few kids got hurt after a bedpost broke. Some of the parents sued our camp to pay for their kids’ medical bills.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Campers Accident Insurance
“A camper slipped on the pool deck and broke their leg.”
Campers accident insurance helps cover medical costs if a camper gets hurt during a covered camp activity.
Workers’ Compensation Insurance
“An instructor fell and broke her arm during a field trip. She had to leave right away to get it treated at the emergency room, and she needed to take a month off from work.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Commercial Auto Insurance
“One of my day counselors was using the camp van to pick up supplies for an event when he accidentally sideswiped a parked car.”
Commercial auto insurance helps protect your counselors and employees on the road when using a business-owned vehicle for work.
Commercial Property Insurance
“A pipe burst in our cafeteria and ruined the flooring right before we opened for the season. We had to get it patched up on tight notice.”
Commercial property insurance hhelps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Business Income Insurance
“Strong winds blew away our tents and knocked a tree down at the meeting area of the camp. We had to close for a few days to clean up and needed to reimburse families.”
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage. This coverage can help pay for your ongoing costs, like payroll and utility bills.
Get Summer Camp Insurance Options Today
Keep your camp covered and your season on track. Get a quote today through Tivly.
Last Updated: June 5, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed April 2026.
3 U.S. Bureau of Labor Statistics, “Incidence Rates of Nonfatal Occupational Injuries and Illnesses by Industry and Case Types, 2024,” viewed April 2026.
4 Risk & Insurance, "Water Damage Claims Continue To Drive Non-CAT Property Losses,” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
Additional disclosures below.