By: Edward L. Blais, JD, CIC, CPIA

Summer is in full swing, which means camps and recreation programs are well into their busiest season. However, amidst the commotion, it’s crucial not to overlook the importance of risk management and insurance. Considering the always-changing landscape of potential risks and liabilities, the initial plans may no longer be sufficient. 

At Blais Insurance, we would like to highlight the top six claim trends across camps and recreation programs nationwide, providing insight into the areas that require careful attention and suitable coverage:

• Concussions are a serious and common brain injury that can lead to sizable medical bills. The prevalence of concussions remains a serious concern, particularly during sports and outdoor activities. To ensure adequate medical coverage, engaging with athletic program leaders and assessing your medical expense policies is imperative.

• While physical health incidents remain a concern for campers, the mental health crisis among today’s youth is becoming more frequent. As a result, camps are incorporating mental health professionals such as psychologists, therapists, and social workers. You should review your policies to ensure coverages for these additional staff members are in place.

• Wildfires, Hurricanes, and other damaging weather events can wreak havoc on outdoor recreation programs. Camps should establish evacuation and safety procedures in case of a natural disaster scenario. Protecting your assets and ensuring the safety of campers and staff is a key reason to consider disaster related coverage.

• Abuse incidents remain an awful and unfortunate reality in camps and recreation programs. Preventive measures, proper supervision, and appropriate insurance coverage are steps you can take to minimize the risk. 

• As the popularity of esports (electronic sports games) continue to boom in summer camps, cybersecurity concerns have also emerged. Implementing restricted system access, security audits, consistent software updates, background checks, and comprehensive cybersecurity policies are a way to protect your camp against cyber threats. 

• Due to inflation, property values and building costs are steadily increasing. This is leaving many summer recreation programs underinsured. Reassessing your insurance needs by securing adequate coverage for your camps properties and assets is crucial. 

As camps and recreation programs navigate each day’s challenges, addressing risk management and insurance needs becomes essential. When properly protected, camp leaders and directors can rest easier and focus on their core mission of serving the youth.