Are Florida Summer Camps Required to Carry Liability Insurance?


Are Florida summer camps required to carry liability insurance? The simple answer to this question is “No”. Thousands if not millions of children attend summer camp every year. In most instances, the children enjoy the activity center supervised in a safe environment. Unfortunately for some children, the summer is not so enjoyable because they suffer serious personal injuries while attending a Florida summer camp. Some injuries take place due to unforeseeable circumstances while others take place due to the negligence or carelessness of the summer camp, its staff, or third parties. One would think that a summer camp would be required to carry liability insurance; however there is no specific law in the State of Florida that requires a summer camp to carry such liability insurance. Many summer camps are responsible and have safety standards. Many camps are also financially responsible and carry liability insurance in case there is an accident or injury that takes place at a Florida summer camp.

Other Florida summer camps choose not to have the liability insurance in place. If a child is injured as a result of incident out of Florida summer camp, there are often many complex issues for a parent to deal with. Because of this, it is often helpful to have a Florida Child Injury Lawyer represent the injured child. If a summer camp chooses not to have liability insurance, a parent or guardian can still pursue a claim or case on behalf the injured child. In evaluating the case, a Florida Child Injury Lawyer will determine the facts and circumstances surrounding the injury and the practicality of moving forward if the facility or summercamp does not have liability insurance. It can often be a challenge from a practical standpoint to pursue a case against a small summer camp that chooses not to have liability insurance due to collectibility issues. Summer camps and their staff members should use their best efforts to timely and consistently supervise the children and provide a safe play environment for the children.

The book titled – The ABCs of Child Injury – Legal Rights of the Injured Child – What Every Parent Should Know – has chapters on Playground Injuries, Water Park Injuries, Day Care Center Injurie, School Injuries, and other topics. You can get this book for free at The ABCs of Child Injury.

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