Campers' Program (Countrywide)

• Availability
• Eligibility
• Who is Covered?
• When Are They Covered?
• Premiums
• Camps for Individuals with Disabilities

Availability

This section is applicable for all states (except New York) where the Enhanced Campers' has not been approved. (Maine, Vermont, Connecticut, Maryland, Washington, Montana, South Carolina, Florida, Kansas)

 

This program is not available in all states. State exceptions may apply.

Eligibility

Non-Profit Organized Sponsored and Private Camps are eligible for coverage. The program is also available for non-profit organized sponsored camps for individuals with disabilities. Additional information concerning camps for individuals with disabilities may be found at the end of this section.

The program is not intended for camps organized as athletic camps, sports clinics, or senior citizen camps. Please refer to the Special Risk Accident program for camps in these categories.

Who is Covered?

All persons registered as campers must be insured. Counselors, janitors, cooks and similar employees may also be insureds at the option of the camp. This insurance will not cover children of camp employees or children of counselors, spouses of employees, or volunteers working on special events unless they are registered as campers or employed by the camp. Contact your Reporting Office for details.

When Are They Covered?

The Hartford's policy covers insured campers for sickness or injuries occurring during their camp period as follows:

1. While in regular attendance on camp premises;
2. While taking part in regularly scheduled, approved camp activities;
3. While traveling to or from camp activities in properly supervised groups; and
4. While traveling directly between home and camp, as long as that travel does not extend beyond 48 hours prior to or after the camper is in regular attendance at the camp.

For more information about terms, conditions, limitations and exclusions please review the Blanket Lines Description of Coverages document.

 

Premiums

The minimum premium for Private Camps and Nonprofit Organization Sponsored Camps is $310. A deposit premium equal to the minimum premium or 25% of the estimated policy premium, whichever is the greater, is required. The total premium will be computed by audit at the end of the camping season. Any additional premium due the Company will be collected at the time. The minimum premium is non-refundable in the event the policy is canceled after the effective date.

If the Request for Insurance is received and approved before the camp's opening date, coverage will begin on the first day of opening. Otherwise, coverage will begin on the date the Request for Insurance is approved following its receipt by the Company's issuing office.

The policy may be cancelled at any time by the Policyholder or upon 31 days written notice by the Company.

Camps for Individuals with Disabilities

Nonprofit organization sponsored camp plans are available for camps specializing in the care of individuals with disabilities. Rates applicable to these benefits vary with the type of handicap involved and the operation, capacity, services and supervision of the camp. To obtain rates, submit the completed request and a detailed supplemental description of the camp and disabilities involved along with the ratio of counselors to campers to your reporting office. Home Office approval is required on all cases involving individuals with disabilities.

The above benefits are available to camps for individuals with the following disabilities:

• Arthritis
• Rheumatism
• Cerebral Palsy
• Blindness
• Muscular Dystrophy
• Hearing Impaired
• Multiple Sclerosis
• Diabetes
• Children with Disabilities
• Epilepsy
• Mental Impairment

 

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company.  Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office of both companies is Simsbury, CT.  All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.  This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued.  In the event of a discrepancy between this brochure and the policy, the terms of the policy apply.  Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy as issued to the policyholder.  Benefits are subject to state availability.