Please review this section for an excellent snapshot of the liability and accident insurance you will be buying for your camp.

Insurance Company and Best Rating: Markel Insurance Co. A XV

Liability Coverage: Comprehensive General Liability, ISO form

Per Occurrence Limit $2,000,000
Aggregate Limit of Liability $3,000,000
Participants’ Legal Liability Limit Included
Sexual Abuse/Molestation Liability (Per Occurrence) $1,000,000 (Separate Limit)
Sexual Abuse/Molestation Liability (Aggregate) $2,000,000 (Separate Limit)
Products/Completed Operations Aggregate $2,000,000
Personal Injury/Advertising Injury $2,000,000
Damage to Premises $300,000
Medical Payments (to non-participants) $5,000
Liability Deductible $0
Defense costs outside the limits
Optional Hired/Non-Owned Auto Liability CSL* $1,000,000

Notable exclusions under this policy: Standard CGL Exclusions; Communicable Disease; Trampolines and Springboards (unless approved for the sport); Employment Related Practices and Punitive Damages; Intentional Acts.

Liability protection is provided by this policy for sponsored and supervised activities, as stated above. In addition, liability protection extends to the premises or facilities while the camps are underway.

There is no charge under this program to extend the policy to cover the college and university venues where the camps are being held.

*The Hired/Non-Owned Auto Liability coverage offered as an option by this policy does not cover the transportation of participants – coverage is for the camp entity only with regard to liability for accidents with other vehicles and the drivers of those other vehicles. For camps needing auto liability with coverage for transportation of participants, we recommend placement with a local broker who can run proper MVR reports on all drivers and place with an auto insurance carrier.

Best-in-the Business Features of the URMIA Camp Liability Program:

  1. The Participant Legal Liability form (liability coverage for athletic participants) is the best and broadest form in the industry.
  2. The program requires liability waivers, but we do not have a waiver warranty in the policy. Failure to supply a waiver at claim time does not jeopardize coverage.
  3. The Sexual Abuse/Molestation Liability Limit is a separate limit with a separate aggregate. A claim under this coverage does not reduce the General Liability Limit. In addition, the $1Mil/$2Mil Sexual Abuse/Molestation (SAM) limit is our standard – other insurers start at as low as $50,000 per occurrence on this coverage, and for many the standard limit is $100,000.
  4. The program does not sub-limit or exclude Traumatic Brain Injury claims (concussion claims).

Accident Coverage:

Accidental Medical & Dental Expense Limit: $100,000. Maximum
Accidental Death & Dismemberment Limit: $10,000. Principal Sum
Aggregate Limit per Accident: $1,000,000.
Deductible per Youth Participant: $250. Per Injury
Benefit Period: 52 Weeks from date of Injury
Claims Basis: Full Excess

The Aggregate Maximum is the most we will pay, regardless of number of insureds, for any one accident (applies to the AD&D coverage).

Deductible is flat deductible (corridor), regardless of any other insurance.

The accident policy contains the following standard sub-limits – these limits may be amended, but a change will affect pricing:

  • $2,000 Benefit for Chiropractic/Physical Therapy subject to a $50 per visit limit
  • $1,000 Benefit for Durable Medical Equipment
  • $1,000 Benefit for Prescription Drugs

This policy is written on a Full Excess basis. This means that a claim must be submitted to any other applicable insurance or health care plan first (such as the insured’s or parent’s own personal or group medical plan), before being sent to RPS Bollinger for payment. If, however, the insured has no other applicable insurance or health care plan, then this policy will pay claims on a primary basis. All accident claims are evaluated, adjusted and paid directly by RPS Bollinger thus ensuring that your claimants get the personal and professional attention every claimant deserves.