Coverage That Goes Beyond the Campfire

Camp Insurance in Missouri for Christian Ministries

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Insurance for Camps, Retreats, and Outdoor Ministry

Protecting Missouri Camps With Faith-Aligned Coverage

Whether you're running a summer Bible camp, a year-round retreat center in the Ozarks, or a youth camp program tied to your church, Fortner Insurance provides coverage that understands the risks, and the mission. As a Brotherhood Mutual partner agency, we help Christian camps across Missouri protect their property, staff, volunteers, and campers. From cabin damage to waterfront liability and camper medical needs, we tailor camp insurance to fit the way your program runs.

What we cover

Comprehensive Camp Insurance for Every Season

Camp Property Insurance

Covers cabins, lodges, dining halls, equipment, and outdoor facilities from fire, storms, or vandalism.

General Liability Insurance

Protects against injury claims from campers, guests, and volunteers on your grounds.

Camper Medical Insurance

Optional coverage to help with medical costs if a camper is injured during activities.

Watercraft & Activity Liability

Coverage for swimming, boating, ziplining, archery, and other supervised recreation.

Overnight & Retreat Coverage

Policies for overnight camps, weekend retreats, and leadership events.

Sexual Misconduct & Abuse Coverage

Essential for any camp serving youth or vulnerable populations.

Auto Insurance for Camps

Covers buses, vans, and camp-owned vehicles used for transport.

Umbrella Insurance

Extends liability protection beyond standard policy limits.

Cyber Liability

Coverage for online registration systems and camper/family data protection.

Why Camps Choose Fortner

Ministry-Focused. Missouri-Based. Camp-Experienced.

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We Know Camp Ministry

We understand the unique liability needs that come with cabins, canoes, and kids, and we speak your language.

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We’re a Brotherhood Mutual Partner

We work closely with a carrier that specializes in Christian camp insurance, so we can offer programs built just for you.

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We Help You Plan Ahead

We don’t just write the policy, we help you think through exposures and build safer, stronger systems.

Camp Insurance FAQs

What Missouri Camp Leaders Ask Most

  • What insurance does a camp need?

    Most camps need property, liability, camper accident, and abuse coverage. Activity-specific protection (like waterfront or climbing) is also important.

  • Do church camps need separate insurance if the church is already covered?

    Usually, yes. A camp often has different risks and operations that require additional policies beyond a standard church plan.

  • Is camper accident insurance required in Missouri?

    Not required by law—but highly recommended. It helps cover out-of-pocket medical costs if a camper is injured.

  • Can I get coverage for zip lines or watercraft?

    Yes. We can include watercraft liability and high-risk activity coverage as part of your liability policy.

  • Do I need cyber insurance if campers register online?

    If you're collecting personal data, yes. Cyber liability protects you in case of a breach or system failure.