Category: Recreation and Sports
NAICS CANADA CODE:
713990 All other amusement and recreation industries
721213 Recreational (except hunting and fishing) and vacation camps
Suggested ISO General Liability Codes: 41421, 41422
Suggested Workers Compensation Codes: 9015
Description of Operations:
Camps may be private or public and are often affiliated with a religious or social organization. Some specialize in facilities for the physically or mentally handicapped. Camps may be day camps with no lodging facilities or full-service camps with lodging and eating operations. In addition to the cabin, lodge, or sleeping and eating facilities for campers, camps usually have a service or utility building for laundry or recreation, shower area, swimming (in a pool or lake), a retail convenience or grocery store, tennis courts, playground, fishing, boating, canoeing, hiking trails, horse trails, and other recreational operations. Some offer lots or pads to allow tourist-type camping in tents and recreational vehicles. Others may offer storage of vehicles in the off-season.
Property exposure is high due to camps generally being located in remote wooded areas kilometres away from public firefighting resources. There should be fire detection and firefighting capabilities within the camp to control a small fire. If there are cooking facilities, all restaurant protections must be in place. If the facility is seasonal, a caretaker should stay on premises or a security service should check each day for vandalism or small fires.
Crime exposure is from employee dishonesty. Background checks should be conducted on all employees handling money. All financial duties should be kept separate and monies should be reconciled on a regular basis. Both internal and external audits should be conducted at least annually.
Inland marine exposures include accounts receivable for campers’ deposits and payments, contractors’ equipment used to maintain the premises, and valuable papers and records for campers’ records and contracts with vendors. Theatrical property, audio-video or musical equipment should be covered with a commercial articles floater.
Occupiers’ Liability exposure is high due to the large number of children on the premises. Camp counsellors must undergo thorough background checks, including criminal. Supervision is vital to protect the campers. An infirmary or on-site medical care must be available as camps are often located in remote areas away from hospitals or clinics. Activities should be age-appropriate, with safety measures in place. The condition of access roads, security, and the condition of the park in general are other liability concerns. Water purity should be checked on an ongoing basis. Playground equipment must be properly maintained and documented. Water sports – swimming, boating, fishing, etc. – must be carefully monitored and appropriate signage and guards in place. Lifesaving equipment should be accessible at all times. If open fires are permitted, all fires must be extinguished and cooled to prevent the spread of fire.
Some camps may use volunteers rather than employees in many positions. These volunteers should be subject to the same background checks as employees and receive similar training. Volunteer injuries are often not covered under workers compensation, so accident and health policies may be appropriate.
Automobile liability exposure may be limited to hired and Non-owned for employees running errands. If there is transport, pickup, or delivery of campers, significant hazards exist and careful evaluation is necessary. If the camp transports campers, all drivers must have appropriate licences, and MVRs must be regularly checked. Vehicles must be regularly maintained and records kept.
Workers compensation exposure includes camping operations, janitorial and, maintenance activities. Slips, falls, insect bites, lifting, back injury, hernia, sprains, and strains are common. Camp counsellors can be injured hiking in natural terrain, by falling objects, encounters with wild animals, or drowning from water sports. If there are other operations, such as lodging, logging, tree trimming, or application of herbicides or pesticides, refer to those narratives.
Minimum recommended coverages insurance for camps:
Building, Business Personal Property, Spoilage, Employee Dishonesty, Money and Securities, Accounts Receivables, Contractors’ Equipment, Commercial Articles Floater, Valuable Papers and Records, General Liability, Employee Benefits, Professional, Directors and Officers, Umbrella, Business Auto Liability and Physical Damage, Hired and Non-owned Auto, Workers Compensation
Other insurance coverage to consider for camps:
Business Income and Extra Expense, Computers, Theatrical Property, Cyber Liability, Employment-related Practises, Environmental Impairment, Stop Gap Liability