Camps are a common practice in the Canary Islands, especially for girls and boys and even more so considering the upcoming school holidays. The usual thing is that in this type of activity there are small accidents of the attendees, but serious accidents can also occur, such as the loss of a child, food poisoning or even fires or other major incidents. For this reason, it is highly advisable that the organizers of this type of activity take out Civil Liability and Accident insurance.
Why take out Civil Liability insurance?
Civil Liability insurance covers third party claims for material and/or personal damage. The tendency to claim for any damage makes it advisable to take out Civil Liability insurance. Thus, in the event of a claim arising from damage, whether personal or material, suffered by a minor during the practice of the activity in question, it will be the company that assumes the defense of the insured and the eventual compensation up to the capital that would have been hired. In addition, this type of insurance includes legal defense, which would be a very important part of the entire process.
Why take out accident insurance?
Accident insurance in the case of camps is essential to prevent whoever has organized it from having to bear expenses in the event that a child suffers an accident. These insurances usually cover death or permanent and absolute disability. In addition, medical and pharmaceutical expenses are covered in the event of an accident. There are usually a series of concerted medical centers, where you can go directly to receive the necessary assistance