Camps have a colossal exposure to potential claims and lawsuits. So many kids at one place, will inevitably bring much higher chances of accidents happening than normal.
Part of what makes a camp fun, are the different activities for kids to participate in. Running around, jumping, and trying new things with friends is what most kids dream about when they go to camp. Of course, all this activity increases the possibility of someone getting hurt.
Another invaluable help your insurance company can provide is risk management services. A knowledgeable insurance professional will be able to advise you on how to structure the camp and what safety precautions to use to minimize the risk of something happening. Of course, not every accident can be prevented. However, a safe environment is better for everyone.