Kids, counselors and a full summer.
General liability, abuse and molestation, camper accident medical, transportation and workers' comp for day camps, overnight camps and sports and specialty camps.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Pools, trails and field trips
Camps pack a year of risk into a few weeks: swimming, hiking, climbing walls, archery, cooking over fires and vans full of kids. Underwriters want to know every activity, the staff-to-camper ratio and how you screen counselors.
Abuse and molestation coverage is often excluded from a standard liability policy, so I add it by name. Accident medical can pay camper injury bills regardless of fault, up to its limits, which keeps many small claims from becoming lawsuits.
- General liabilityCamper and visitor injuries.
- Abuse and molestationOften excluded unless added.
- Accident medicalCamper injuries regardless of fault.
- Workers' compSeasonal counselors and staff.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Camp: day or overnight, owned or rented site.
- Campers: ages and number per session.
- Activities: swimming, climbing, horses, trips.
- Staff: count, ratios and background checks.
- Vehicles: vans or buses you drive or hire.
- History: current policies and claims.
Summer camp insurance, answered
Is abuse and molestation coverage included?
Usually not. Most camp policies exclude it unless it's added. I add it and check the limit.
Do seasonal counselors need workers' comp?
California generally requires workers' comp for employees, and that includes seasonal and summer hires.
Does the school or park I rent from need to be added?
Most venues ask to be additional insured. I issue the certificates.
Are swimming and climbing harder to insure?
They draw more questions. Lifeguards, certified staff and written procedures help you get quoted.
Why might my camp go to a surplus lines market?
Overnight stays, waterfronts and abuse coverage narrow the field. I explain if your camp is placed there.
Do you offer summer camp insurance outside California?
Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in 48 states and Washington, DC and places policies there directly. In Florida and Washington, where Sam's licenses are still being issued, a partner agency in your state helps in the meantime. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Insured before opening day
Tell me your camp's ages, activities and staff. Start early; camp markets want time before the season.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
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(877) 711-4545Answered 24/7 · CA License #4348151
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Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.