Put URMIA’s Camps Insurance Program to Work for You This Summer
Activities are returning to college and university campuses this summer, but do we remember what responsibilities come along with the reopening? One important aspect of the reemergence of events is insurance.
Never first on the checklist, insurance needs to feature prominently in considering any activity on your campus. Luckily, if the activity in question is a youth camp, academic, or sports, then it is likely that the URMIA Camps Insurance Program could make that sometimes frustrating item much easier to check off your to-do list. The program provides liability and accident insurance for both day and overnight camps held at campus facilities.
The URMIA Camps Insurance Program allows colleges and universities to transfer the liability of these camps from their own insurance risk pools and programs to the camps themselves. The host institutions receive additional insured status and add a buffer to their direct exposure. Meanwhile, camp directors have policies written in the name of their camp LLCs, properly protecting those entities. Risk managers should appreciate the transfer of risk, while the camp directors should appreciate the affordability of this coverage at these rates.
What Does It Cover?
The URMIA Camps Insurance Program provides low-cost, best-in-class insurance for camp programs conducted in college or university facilities. URMIA member universities and colleges may participate at no cost to the institution. While this insurance program was originally designed for sports camps, the coverage accommodates most youth educational camps as well. The program is administered for URMIA by RPS Bollinger.
The cornerstone of the program is a $2,000,000 general liability limit that includes participant legal liability (to cover suits that stem from the sports or camp activity itself) and sexual abuse/molestation liability. URMIA and RPS Bollinger partnered four years ago to develop a policy that would satisfy the limit and coverage requirements of most college and university risk managers around the country.
In addition, the program offers a $100,000 limit on an excess accident policy to make certain that an injured participant has help with medical bills incurred due to the camp activity. The policy acts as a primary policy if the participant has no primary health insurance.
This combination of excess accident insurance to protect a parent’s out-of-pocket expense combined with a comprehensive general liability policy to protect the camp director and the host institution makes the URMIA Camps Insurance Program a security blanket for all parties concerned.
The insurance rates for the eligible sports in the program have been stable and affordable from the beginning. Day camps are written at $0.87 per camper per day with a minimum premium of $100, while overnight camps are $1.74 per camper per day with a $200 minimum premium. The program accommodates most sports and educational camps. High hazard sports such as contact football, gymnastics, competitive cheerleading, and wrestling are not eligible for the program.