Yes, and your school’s regular policy may not cover it as written. A summer camp means longer days, more children, activities beyond martial arts classes, seasonal staff, and often off site outings. Abuse and molestation coverage becomes central, participant accident coverage becomes more valuable, and workers’ compensation extends to seasonal counselors. NEXO Insurance Services reviews camp programs with martial arts schools before enrollment opens, so coverage matches what the camp actually does.
What coverage does a martial arts camp need?
| Coverage | What it protects against | Required? |
|---|---|---|
| General liability with participant coverage | Allegations that the camp caused a child’s injury | Often required by landlords and host venues |
| Abuse and molestation | Abuse allegations involving campers | Central for any camp |
| Participant accident / secondary medical | Defined medical costs for an injured camper, on a no fault basis | Highly recommended and often required |
| Professional liability | Allegations about instruction or supervision | Required |
| Workers’ compensation | Injury to employed instructors and seasonal counselors | Required in most states once you have employees |
| Special event coverage | Liability for off site days and temporary locations | Often required for off site activities |
Does my school’s policy cover a summer camp?
Not automatically. A policy written around your class schedule may not describe full day supervision, games and activities beyond martial arts, or the number of children a camp enrolls. Tell NEXO the camp’s hours, enrollment, activities, and staffing before you open registration, and NEXO will confirm how your policy applies or what needs to be added.
Why is abuse and molestation coverage central for camps?
Camps put staff with children for whole days, often including changing times and outings. Many general liability policies exclude abuse allegations, and where coverage exists it often carries its own limit. NEXO treats abuse and molestation coverage as essential for every camp, alongside screening, a two adult rule, and a documented complaint process.
What about seasonal staff and counselors?
Seasonal counselors paid through payroll are employees for workers’ compensation, and part time and seasonal staff generally count in most states. Screen everyone who works with campers and keep the records. NEXO clients can order screening through NEXO’s background check partner.
What about field trips and off site days?
An outing takes campers away from your address. Confirm the destination, transportation, and supervision ratios, and confirm whether your policy extends to the outing or whether special event coverage is needed. NEXO reviews the camp calendar with schools before the season.
What does this look like in practice?
Injury During Games
Scenario: A camper breaks a wrist during an afternoon relay game, outside the martial arts curriculum.
Coverage to review: Participant accident coverage for the medical costs, and general liability if the family alleges poor supervision. NEXO confirms camp activities beyond martial arts are described on the policy.
Counselor Injured
Scenario: A seasonal counselor sprains an ankle while running a camp activity.
Coverage to review: Workers’ compensation, provided the counselor is included in reported payroll. NEXO reviews seasonal staffing with schools.
NEXO’s martial arts studio insurance page covers the full program.
Frequently Asked Questions
Do I need insurance to run a martial arts summer camp?
Yes. A camp changes hours, activities, enrollment, and staffing, so confirm your school’s policy covers it or add what is missing. NEXO Insurance Services reviews camp programs before registration opens.
Does my martial arts school insurance cover summer camp?
Not automatically. It depends on how the policy describes your operations. NEXO confirms how camp activities are covered.
Do camp counselors need workers’ compensation?
Seasonal counselors on payroll are generally employees for workers’ compensation, subject to your state’s rules.
Is abuse and molestation coverage required for a camp?
It is essential, and many landlords and host venues ask to see it.
About NEXO Insurance Services
NEXO Insurance Services is a California-licensed insurance brokerage and managing general agent specializing in coverage for fitness, martial arts, studio, and wellness businesses. NEXO holds California Broker/Agent License OG51267 and California Agency License OE14627, serves over 20,000 fitness professionals across the United States, and has specialized in fitness businesses since 2005 with extensive experience in combat sports.
To review coverage for your business, contact the NEXO team. NEXO’s licensing is verifiable through the California Department of Insurance. Insurance availability, coverage, limits, exclusions, and policy terms vary by state, carrier, and individual risk.
This page is general information published by NEXO Insurance Services and is not a policy, a quote, or a guarantee of coverage. Coverage, limits, exclusions, and eligibility are determined by the issued policy and by underwriting, and vary by state and carrier. Confirm how your own policy addresses these situations with a licensed NEXO representative.
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October 19, 2026
