Day And Overnight Camps
Let The Kids Have Fun - We'll Worry About Your Insurance
Whether you're running a day camp or an overnight camp in Ontario you have a liability exposure. Your camp may be for youth or adults, seasonal or year-round, it still opens you up to the possibility of someone getting injured or damaged property.
While some activities at camps like arts & crafts are low risk, when you introduce large animals and people with little to no experience with them, your risk increased. With overnight accommodations, you're also dealing with cabins, campgrounds or dorms and some type of food service that require specific liability coverage as well.
What you'll discover in this report:
- The level of risk for liability
- Common claims that people make against camps
- How you can plan ahead
- The coverage offered by a Commercial General Liability Policy
How High Is My Exposure To Risk Running Day And Overnight Camps?
Whether you're running an overnight camp or just a day camp because you're dealing with minors. Their parents aren't there to supervise them, and you're responsible for them for a longer duration and that puts you in the high-risk category. To reduce that risk, it's best if your camp is run following industry standards, and that you have continuous supervision with a high counselor to camper ratio.
What Are The Most Common Claim Incidents?
- A camper wanders away from supervision and gets injured.
- While horseback riding, playing games or participating in any other camp activity a camper gets hurt.
- A camper's parent makes a claim of abuse of some type, including molestation.
We think it's great that you're sharing your love of horses with others. By teaching your campers respect and care for horses, you're giving them a great opportunity. Our brokers at Henry Equestrian Insurance Brokers Ltd will make sure that we protect you and your camp so that you can keep doing what you love. Pick up the phone and call us today or click on Get a Free Quote.
How Can I Plan Ahead?
We know that you care about the horses and the people that come to your camp. There are steps to take to make sure that an accident never happens in the first place.
- Enforce Barn Rules.
Look around and develop rules for your environment for both horses and people. Also write procedures. Then train every staff member to make sure they understand your rules and procedures.
- Plan for emergencies.
Emergencies happen, but the better prepared you are, the better chance you have of providing the proper care to all the horses. If you're prepared you can minimize the severity of any accident.
- Develop semi-annual inspections of your property.
By inspecting your premises for potential hazards, you can take care of them before an incident occurs.
- Prepare a written waiver and review Ontario's Occupiers' Liability Act.
Anyone who participates in any horse activities on your premises needs to complete and sign the waiver. Make sure that you keep the signed forms on file and safely stored. The Occupiers' Liability Act states that the stable owner/operator owes a duty of care to the people who enter their premises. This assures that any property they bring on your premises with them is also reasonably safe. You are free to restrict, modify or exclude this duty of care through your written waiver.
- Follow Ontario's Horse Riding Safety Act.
This legislation states that it's mandatory that anyone under the age of 18 years of age must wear a helmet that meets ASTM, BSI or European Safety Standards and hard-soled footwear with a heel of no less than 1.5 cm.
- Purchase an Equine Liability Insurance Policy.
Protect you and your business with an insurance company that knows horses and your business. You want to make sure that any legal feels are covered, claim costs and settlements to ensure that in the case of an accident, your business doesn't suffer a financial loss.
What's Included In The Commercial General Liability Policy?
The policy gives you maximum limits or amounts of liability insurance for:
- Medical Expenses: You can be sure a claimant's low cost medical expenses are covered without a lot of questions about liability or responsibility.
- Legal Defense Costs: You can save your business the financial burden of court costs if you're sued, whether the case has merit or not.
- Claims Or Settlement Costs: Without this policy you could be held responsible for bodily injury and property damage claims.