When organising camps, there are two policies that are a must: the civil liability insurance and accidents. The organisers The insurance for summer camps is essential for any problem that may arise. Today we explain all the details about what is known as camp insurance or summer camp insurance.
Camping insurance and how to stay well protected
The main concerns when we send a child to camp are two things: of course that he or she has a good time and, for our peace of mind, that he or she is safe.
This security is made up of several factors: experience, good organisation, planning of activities, monitoring of camp safety measures... and, furthermore, that the camp is adequately insured, in case something happens. That something, translates into:
- A accident of a child which results in having to be treated quickly in a medical centre.
- A serious problem that may expose the camp and its organisers to a claim, whether from a parent, a supplier or any other “aggrieved” third party for any reason.
In both cases, an insurance company will be the one to take care of these issues so that the problem does not escalate: in the first case, the insurance of accidents camp and, in the second, the policy civil liability of the summer camps.
Accident insurance for the summer campus
This is the policy most often used in the event of a problem in the camps, and it is through this policy that the campers are able to the person who has sustained an injury is treated in a medical centre, whether due to a fall or another type of accident.
Accident insurance is essential in summer camps, just as it is in summer camps. schools, sports tournaments, etc.
It will be essential to have accident insurance with unlimited health care in approved centres. This is the essential guarantee of this summer camp insurance.
Camp liability insurance
As we indicated at the beginning, problems sometimes arise in camps, which can be minor or serious. For the latter, there is usually civil liability insurance:
- Food poisoning
- Serious injuries of a child or young person, with possible negligence on the part of the monitors.
- Serious injuries also of the monitorsas camp workers, there must be a Civil Liability policy with the following insurance cover Employers and agreement.
- Any problem with the facilities leading to a complaint
It is very important that the camp organisers provide full guarantees with this insurance, as it is useful:
- For the parents of the boys and girls: it brings peace of mind.
- In the event of a claim, they will need good legal cover and defence.
Are there compulsory insurances for summer camps?
In some Autonomous Communities the regulations require the presentation of current policies. The insurance policy should cover the safety of the participants and any damage or damage that the group may cause. This is the case when camps are organised in regions such as Andalusia, Navarre, Catalonia or Asturias. In any case, when camp insurance is not compulsory, most organisers choose to have one in order to «cover their backs» against possible accidents and unforeseen events.
From PIB Group Iberia we have experience to ensure various camps, whether they are language camps, sports camps or camps in nature and rural environments. If you want to be well informed and count on our support, contact us without obligation.
