Schools, summer camps, youth groups and even churches are increasingly considering cell phone policies. Phones can be a major distraction—and in some cases, a source of harm—for teens and pre-teens.

While many schools, camps and churches are quick to talk about banning cell phones, what they really need is a clear and fair cell phone use policy that addresses risks and expectations. Before you collect everyone’s devices in a basket, it’s important to understand the risks and best practices for implementing a cell phone policy. A cell phone ban can have unintended consequences if not handled carefully. Let’s explore what you need to consider.

What could go wrong with a cell phone ban (and how to plan for it)

Before you roll out a cell phone ban in schools, camps or churches, it’s important to think beyond just the rules. Taking away or limiting access to phones—especially for young people—can create legal, safety, accessibility and practical challenges. Your cell phone policy should clearly explain how devices will be handled and what steps you’ll take to avoid problems. That way, you’re not only protecting your organization—you’re also building trust with families and showing that you’ve thought things through.

Here are some key risks to watch for—and how to plan ahead:

1. Lost or damaged phones

Smartphones are expensive—some cost more than $1,000! If you’re collecting phones at the door, there’s a real risk of them getting scratched, dropped or even lost. And let’s be honest: It’s easy for kids to accidentally grab the wrong phone on their way out. Clear processes and accountability are critical to any cell phone use policy, and lost or damaged devices can create a costly liability for your organization.

2. Medical and accessibility needs

For some kids, phones aren’t just for fun—they’re essential. A teen with diabetes might use an app to track blood sugar. Others may rely on their phones for communication due to hearing, vision or language challenges. Taking away their phones could put their health or safety at risk.

3. Emergencies

In a crisis, phones can be both a help and a hindrance. Yes, they let kids call for help—but if everyone’s dialing at once, it can jam the network and slow down emergency responders. That’s why a church or camp cell phone policy should always include backup communication plans like an emergency contacts list or walkie-talkies for staff.

Use the DONUT framework for cell phone policies

At Church Mutual, we recommend the DONUT approach when creating any new policy—especially one as sensitive as a phone ban.

• D – Development: Involve everyone—staff, parents and youth—in shaping the policy. People support what they help create.
• O – Opportunity: Try a test run before making it official. A pilot phase lets you see what works and what doesn’t.
• N – Notice: Give families plenty of heads-up. If you run a camp, make the policy clear during registration—and have teens acknowledge it, too.
• U – Uniformity: If kids can’t use phones, adults shouldn’t be glued to theirs either. Set the example and create adult-only phone zones if needed.
• T – Timeliness: Enforce the rules consistently and right away. Delayed consequences don’t work.

Successfully implementing a cell phone ban policy

Once your cell phone policy is in place, here’s how to keep it running smoothly:

• Be fair: Apply the rules equally, with exceptions for medical or accessibility needs.
• Train your team: Help staff feel confident by role-playing scenarios and offering clear dos and don’ts.
• Lead by example: Adults should follow the same rules. You might even find it boosts productivity!

You’re not alone in tackling this issue. Organizations everywhere are rethinking how phones fit into their programs. Just make sure you’re prepared before making the leap.

Looking for more resources to help your organization manage risk? Explore Church Mutual’s risk management resources, including expert articles, checklists and guides designed to help you protect your people, property and purpose.

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The information contained in these materials is intended solely to provide general guidance on topics that may be of interest to you. While we have made reasonable efforts to present accurate and reliable information, Church Mutual Insurance Company, S.I. and its affiliates disclaim all liability for any errors or omissions or for any actions you take or fail to take based on these materials. The information provided may not apply to your particular facts or circumstances; therefore, you should seek professional advice prior to relying on any information that may be found in these materials.