General Liability
$1 million each occurrence
$2 million general aggregate.
Liability coverage addresses covered claims under the policy. The aggregate is the policy’s overall limit for this category, not an additional payment for each Challenger.
INSURANCE & PARENT TRANSPARENCY
Insurance Matters.
So Does Transparency.
Extreme Military Challenge! (XMC) maintains liability insurance and excess camper medical coverage as part of responsible camp operation. We welcome parents’ questions about coverage, limits and the process for reporting a claim.
CURRENT COVERAGE SUMMARY
The Details That Matter
To Your Family.
Coverage period: October 25, 2026–October 25, 2027.
General liability insurer: Granite State Insurance Company.
Excess Camper Medical Payments
$5,000 limit
$250 per-claim deductible.
This is described as excess camper medical coverage. Ask how it coordinates with your family’s health insurance, which expenses qualify and how the deductible is handled.
Sexually Abusive Acts Liability
$1 million each occurrence
$2 million aggregate.
This specialized coverage has its own policy terms and limits. It complements our staff screening, youth-protection standards and concern-reporting procedures.
Insurance information current as of October 27, 2026. Coverage is subject to the applicable policies, terms, conditions, exclusions and available limits. This page does not replace the insurance contract or guarantee payment of a particular claim.
BEFORE ENROLLMENT
Understand the Coverage.
Know the Next Step.
Liability insurance and camper medical payments serve different purposes. Neither should be understood as a promise that every injury, illness or family expense will be paid.
Before arrival, ask Admissions about your Challenger’s course, off-site activities and transportation, and request the current instructions for reporting an incident or submitting a claim. Confirm any family insurance, billing or documentation responsibilities.
Health, Supervision & Risk Management ↗ · Medical Preparation ↗
CHOOSING ANY CAMP
Expect the Same Transparency
From Every Program.
We encourage parents to ask every camp they are considering for comparable insurance transparency. Ask for current evidence and clear answers about:
- The insurer, policy dates and liability limits.
- Participant accident or medical benefits, including primary or excess status, limits and deductibles.
- Coverage and exclusions for the actual activities, off-site visits and transportation your child will use, including any separate abuse or molestation coverage.
- How incidents and claims are reported, and what the family may need to provide or pay.
A certificate is useful evidence; the policy and endorsements determine the coverage. Clear information helps families compare programs with confidence.