CAMPS · CONFERENCE CENTERS · RETREAT MINISTRIES

Ministry America places camp and conference center coverage through a program designed for Christian camping ministries—including overnight and day camps, retreat centers, and conference facilities.

rethinking 
camp insurance

mustard seed sprout smoking 2 marshmallows on a stick by a campfire with the text "Ministry America - Camp Insurance" beneath it

Insurance for Christian camps and conference centers

Let us offer you an alternative perspective on coverage, risk and cost before your next renewal.

We're not a mega-agency that processes camp policies through a small business unit. Our program is available to qualifying Christian camp and conference ministries.  If your ministry is affiliated with the Christian Camp and Conference Association (CCCA), we'd welcome the opportunity to have a conversation.

Best fit:

  • Religious day & overnight camps (ISO 47406)

  • CCCA-affiliated or accredited camps

  • Church & denominational retreat centers

  • Conference & meeting centers

What our partner program covers

Property and General Liability can each be sold monoline, or combined with the specialty lines camps typically carry.

Property

Monoline available

Replacement cost valuation — no stated or ACV values

Terrorism (mandatory)

Optional: Crime + Kidnap & Ransom

Equipment / mechanical breakdown (mandatory)

All fire protection classes accepted

Seasonal vacancy provisions

General Liability

Monoline available

$1M occurrence / $5M aggregate

$1M personal & advertising injury

Hired & Non-Owned Auto for staff, volunteers & leadership

Optional: Employment Practices & Employee Benefits Admin Liability

Hired & Non-Owned Auto for staff, volunteers & leadership

Optional: Sexual Abuse & Molestation Liability

Optional: Not-for-Profit Directors & Officers

Optional: Cyber Liability ($25K–$1M)

Commercial Auto

Available Q4 2026

Not sold monoline — pairs with GL

Camp fleet vehicles & buses

Excess Liability

Additional limits over your primary program

Coordinated with GL, auto & director liability

High-hazard activities

Camp programming often includes activities a standard GL policy won't touch. Here's how the program treats the common ones.

Mustard Seed Sprout from Miistry America logo rock climbing a wall with a forest and lake in the background

Included when conditions are met

Armed & unarmed physical security

  • Background-screened staff or approved volunteers

Commercial-grade inflatables

  • Licensed vendor, properly anchored, continuously supervised

Non-motorized watercraft — canoes, kayaks, paddleboards

  • Lifeguard supervision, approved flotation devices

Swimming

  • Certified lifeguard supervision at commercial/public facilities

Climbing walls, rock walls & ropes courses

  • Trained personnel, participant screening, continuous supervision

Short-term international ministry trips

  • Under 30 days, compliant with host-country law

Rodeo

  • Coverage for spectators only — not participants in animal contact

Excluded / needs separate endorsement

Fireworks

Mechanical rides

Rodeos - coverage excluded for participants in contact with animals