Bodily Injury While in the Care of the Insured

The insured operates a summer camp for children. On her second day in camp, an 11-year-old girl was involved in a game of tag with other girls near a gravel driveway, when she tripped and fell injuring her hip. She was a paid resident. It was to be her third summer there. The girl had some minor complaints of pain at the time she fell, but the camp nurse found nothing seriously wrong other than a small bruise in the hip area. The girl felt extreme pain while being carried to her cabin after she fell. Three days later, the girl was taken by camp personnel to a pediatrician, as she complained of increased pain. The doctor ordered x-rays, which revealed a complete separation of the femur head and hip joint. She was diagnosed with a fracture of the right femur head and right hip. The girl will require a hip replacement every 10-15 years for the rest of her life She cannot have her first hip replacement until she stops growing around the age of 18. Until that time, she will need crutches and a wheelchair to get around. Potential Liability: $2,684,000