I started a “Kids Ninja Warrior” summer camp. It was a hit until a parent claimed my assistant “looked at her son inappropriately” in the bathroom line. Even though nothing physical happened, the investigation was traumatic, and the legal fees to clear our name were astronomical. My standard trainer policy didn’t cover “minors” or “abuse.”
Key Takeaways
- The “Participant” Gap: Minors are high-risk. Some policies exclude participants under 18.
- Abuse & Molestation (SAM): This is the #1 risk with kids. As discussed before, you need specific SAM coverage.
- Parental Waivers: A minor cannot sign a contract. The parent must sign. Even then, in some states, a child can sue you when they turn 18 for an injury that happened when they were 10.
- ** Supervision Ratios:** Insurance often mandates specific adult-to-child ratios (e.g., 1:10). If you violate this, coverage is void.
The “Why”: The Long-Tail Liability
The Trap:
Statute of Limitations.
An adult has 2 years to sue you. A child has until they turn 18 + 2 years.
This means you can be sued 10 years later for a broken arm at camp.
You need an “Occurrence” policy (lifetime coverage for that year) or maintain “Claims Made” coverage for decades.
The Investigation: I Quoted 3 Major Carriers
1. Markel (Camp Insurance)
- My Analysis: Specialized in kids. They include SAM coverage and Accident Medical (pays the kid’s medical bills regardless of fault, which stops parents from suing).
2. West Bend
- My Analysis: Very strong on childcare liability. They require strict protocols (background checks, “rule of two” – never be alone with a kid).
3. Francis L. Dean
- My Analysis: Sports specialist. They offer “Accident Medical” policies for camps. If a kid breaks a tooth, this pays the dentist. Happy parents don’t sue.
[IMAGE: Graphic showing “Rule of Two” supervision policy]
Comparison Table: Youth Fitness Liability
| Carrier | Covers Minors? | SAM Available? | Accident Medical? |
| Markel | Yes | Yes | Yes |
| West Bend | Yes | Yes | Yes |
| Standard PL | Check Age Limits | NO | No |
Step-by-Step Action Plan
- Background Checks: Mandatory for everyone. No exceptions.
- Rule of Two: Never let an instructor be alone with a child. Bathroom trips require two staff members or “line of sight.”
- Accident Medical: Buy a small policy ($25k) to pay for ER visits. It’s cheap insurance against lawsuits.
- Waiver: “I, [Parent], on behalf of [Child]…” Ensure the wording is correct for your state.
FAQ
Can I train kids in my garage?
High risk. Homeowners insurance usually excludes business activity, especially with kids.
What if a kid bullies another kid?
“Failure to Supervise” claim. Covered under Professional Liability if you have coverage for minors.
Do I need special certification?
Yes, usually a “Youth Fitness Specialist” cert helps prove competence.