WHAT TYPES OF INSURANCE SHOULD CAMPS HAVE?
Ed Schirick, Senior Vice President of Markel Rhulen Underwriters and Brokers, recommends the following types of insurance: property damage, liability, umbrella, camper and staff medical/accident coverage, and workmen’s compensation. Schirick points out that business interruption insurance, to cover loss of income as well as extra expenses incurred due to interruption, is written into all of his company’s property damage/fire policies. Under the heading of liability, Schirick recommends coverage for all employees and volunteers, as well as insuring the camp infirmary against allegations of malpractice, and malpractice insurance for the camp doctor and infirmary employees. He also recommends that liability policies include coverage for incidents involving sex abuse/molestation. Schirick sees employment practice liability insurance as a developing area of concern in order to comply with the Americans with Disability Act and the Civil Rights Act of 1991. 2. HOW MUCH INSURANCE IS ADEQUATE?
