Who asks a sports camp for what
| Who | What they usually want to see |
|---|---|
| Landlords & commercial leases | General liability with the landlord as additional insured, property coverage on tenant improvements and workers' compensation |
| Leagues, sanctioning bodies & field owners | General liability with participant coverage naming the league or facility, abuse and molestation, and accident medical for participants |
| Cities, counties & permits | General liability, auto and workers' compensation at the limits in the permit or contract |
Each of them wants a certificate, and most want it again at every renewal. A live certificate link from the wallet shows today's coverage to every holder and tells them when it changes.
How to check what you already have
- General liability declarations page. Three liability numbers matter: each occurrence, general aggregate and the products–completed operations aggregate. Then the forms list: blanket additional insured, waiver of subrogation and primary and non-contributory wording satisfy every contract; scheduled forms satisfy one.
- Abuse and molestation. A separate limit, not a sublimit of general liability; whether it is occurrence or claims-made; and whether the organisation and the individual are both covered.
- Participant accident. The medical limit per injury, the deductible, whether it pays primary or excess of the family's health plan, and the activities covered.
- Workers' compensation information page. Item 3.A must list every state you work in, item 4 must carry the right class codes, and the employers' liability limits should meet what contracts ask. Check that the estimated payroll is close to this year's.
- Hired and non-owned auto. Look for the symbols 8 and 9 or an endorsement by that name on the auto or general liability policy; without it, staff in their own cars are uninsured on company business.
- Professional liability declarations. Claims-made or occurrence, the retroactive date (it should not have moved), the limit per claim and aggregate, the deductible, and whether defence costs sit inside or outside the limit.
- Employment practices declarations. Limit and retention, third-party coverage for claims by customers, and whether wage-and-hour claims carry any defence sublimit.
What usually goes wrong for sports camps and clinics
- Overnight camps described to the carrier as day camps.
- Seasonal staff hired in May, never background-checked, and gone by August.
- One-on-one lessons with minors under a policy that excludes abuse claims entirely.
- Coverage for volunteer coaches assumed and never confirmed on the policy.
- A facility agreement that names the owner as additional insured on a form the policy does not carry.
- A waiver treated as insurance; it helps the defence, it does not pay the claim.
What underwriters will ask a sports camp
- Day or overnight, camper numbers and ages, how seasonal staff are screened and which facilities the camp uses
- Ages taught, one-on-one versus group lessons and background-check practice
- Ages, number of participants, contact level and travel
- Background checks for coaches and volunteers, and whether waivers are signed
- Class types, equipment used and instructor certifications
- Whether waivers are signed and how minors are supervised
Have the answers in the wallet before the renewal and the quote request fills itself in; CoverMatch sends one application to every eligible carrier and lines the quotes up against what you have.
Renewal timing
Workers' compensation is audited on actual payroll and liability on sales, so a busy year ends with a bill unless the estimates were kept honest; pay-as-you-go billing through your payroll company removes most of that. Renewal autopilot starts the comparison sixty days out, prefilled from the wallet.