Participant Accident Insurance for Camps
Eligibility
Our policies have been designed to provide coverage for various
types of camps, including:
▶
Recreational day camps
▶
Overnight sleepaway camps
▶
Sports camps
▶
Religious camps
▶
Traveling camps
Coverage applies to all registered campers and can be extended
to volunteers and staff as well.
What’s Covered?
Coverage is provided:
▶
While participating in sponsored and supervised activities
▶
Option to include coverage while traveling to and from
activities
Camps offer children memorable and enriching opportunities
to learn, sharpen their skills, meet new friends, or explore the
great outdoors. Every day can be a new adventure—but this also
means that each day may pose a new risk.
Injuries caused by a collision between two campers, slip and falls,
or accidents during a group activity are just a few examples of
the realities your program might face. You’ve been entrusted
with the safety of the campers in your program, as well as your
staff or volunteers, which is why you need an adequate response
strategy when accidents arise.
Our participant accident policy responds regardless of fault
or negligence, helping ll coverage gaps that may exist with
General Liability. It can also expand the General Liability
med pay benet by including lump sum payments for death,
paralysis, or coma. Finally, it can cover students while traveling
to and from sponsored activities.
Claim Scenario
Situation Risk Action Outcome
Camper slipped and fell while on
a hiking trail, injuring his ACL.
Immediate medical treatment
was required on the day
of the accident as well as
surgery to repair the injury.
All out-of-pocket costs due to
coinsurance and deductibles
imposed on the family’s health
plan were covered.
The camp acted in good faith
and fullled their duty to act
responsibly by purchasing a
Chubb Camper Accident policy.
The campers were able to seek
appropriate care. The families
were pleased that the camp’s
policy helped resolve their
claims and prevented them from
having extra costs, reducing or
eliminating their incentive to
take legal action against the camp
and allowing them to focus on
rehabilitation and recovery.
Camper suddenly fell ill with
severe stomach pains.
The campers’ condition
worsened and necessitated
emergency transport via
ambulance to a local hospital.
Upon arrival, the camper
was diagnosed with food
poisoning.
The family had a high-
deductible health plan, but
Chubb’s Camper Accident
policy was able to ll the gap,
eliminating out-of-pocket
costs for the family. The cost
of the ambulance was also
covered under the medical
expense benet.
The claim scenarios described are hypothetical and are offered solely to illustrate the types of situations that may result in claims. They are not based in actual claims and should not be
compared to an actual claim. The precise coverage afforded is subject to the terms and conditions of the policy as issued.
Coverage Highlights
Accident Medical Expense Benets
Helps pay out-of-pocket medical expenses resulting from an
accidental injury.
Sickness Medical Expense (Overnight Camps Only)
Helps pay for covered medical services due to an emergency
sickness.
Accidental Death & Dismemberment
Pays lump sum benets if a covered accident results in loss of life,
limb, sight, speech or hearing, or paralysis.
Optional Benets Available:
▶
Brain Damage Benet
▶
Coma Benet
▶
Family Emergency Travel
Expense Benet
▶
Heart or Circulatory
Malfunction Benet
▶
Heatstroke Benet
▶
Reconstructive Surgery
Benet
The Advantages of Doing Business
with Chubb
Innovation
We are solution-oriented professionals who use our specialized
knowledge of the camp market to nd the right solution for you.
Superior Service
We have over 35 years of experience in the accident insurance
market, with dedicated regional underwriting hubs and business
development managers offering local and personalized support.
Underwriting Expertise
We approach underwriting with discipline, precision, and
consistency, allowing us to provide stability and longevity.
Claims Excellence
We are committed to providing honest and fair judgment in
handling claims and delivering an excellent customer experience.
We also partner with the nation’s leading Accident & Health
claims third-party administrators.
Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these
subsidiaries, please visit our website at www.chubb.com. Insurance provided by Federal Insurance Company and its U.S.-based Chubb
underwriting company afliates. All products may not be available in all states. This communication contains product summaries only.
Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines
producers. Chubb, 202 Hall’s Mill Road, Whitehouse Station, NJ 08889-1600. Copyright 2023. (Rev. 5/23)
Why Participant
Accident Coverage?
Despite best eorts to protect
campers, accidents happen.
3.5 million+ children under age 14
receive medical treatment for sports
and recreation injuries each year.
1
200,000+ children ages 14 and
younger treated for playground-
related injuries in emergency
departments in the U.S. each year.
2
High school athletes account for
an estimated 1.39 million injuries
per year.
3
1
Mangan, Dr. Douglas. “Majority of Youth Sports Injuries Can Be Prevented,
Here's How to Keep Kids Safe.” USA Today. Gannett Satellite Information
Network, September 5, 2018. https://www.usatoday.com/story/life/
allthemoms/2018/09/05/majority-youth-sports-injuries-can-prevented-
heres-how/1139104002/.
2
“Playground Injuries: Fact Sheet.” Centers for Disease Control and Prevention.
https://www.cdc.gov/homeandrecreationalsafety/playground-injuries/
playgroundinjuries-factsheet.htm.
3
Collins, Christy, Hannah Robinson, Todd Burus. “National High School Sports-
Related Injury Surveillance Study, 2021-22 School Year.” http://datalyscenter.
org/wp-content/uploads/2023/01/2021-22-High-School-RIO-ORIGINAL-
Summary-Report.pdf.
Name:
Title:
Phone:
Email:
Contact Us for a Quote