Insurance for After-School Youth Programs

After-School Youth Program
Kids on a soccer field after school.
Choose from the nation's best insurance providers
Logos of Insureon's business insurance carrier partners

Why do after-school youth programs need insurance?

Though rewarding, your work involves unique challenges. A camper could get injured at an archery range, or a board member could face a lawsuit. Insurance for youth programs helps pay for legal bills and medical expenses related to sports injuries, bullying, accusations of negligence, and more.

After-school youth program leader speaking with kids.
Vertical bar chart underneath dollar sign

Find affordable coverage

Save money by comparing insurance quotes for after-school youth programs from top-rated providers.

Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.

What types of insurance do after-school youth programs and clubs need?

These insurance policies cover the common risks of after-school programs.

General liability insurance icon

General liability insurance

A general liability policy covers basic third-party risks, such as a child who slips and suffers an injury at a day camp. Bundle it with property insurance for savings in a business owner’s policy.

  • Bodily injuries from accidents
  • Damaged student property
  • Libel and slander lawsuits
Business owner’s policy icon

Business owner’s policy

A BOP bundles general liability coverage and property insurance at a discount. It's the best line of defense for Boys and Girls Clubs, Head Start, and similar youth programs.

  • Visitor injuries
  • Damaged student property
  • Stolen or damaged youth center property
Professional liability insurance icon

Professional liability insurance

This policy covers expenses if your after-school youth program is sued for an error or negligence, such as failure to prevent an injury from bullying at a sports camp.

  • Accusations of negligence
  • Lack of youth supervision
  • Oversights in background checks
Directors and officers insurance icon

Directors and officers insurance

Directors and officers insurance (D&O) covers legal expenses when board members or officers are sued over decisions they made on behalf of your youth program.

  • Accusations of mismanaged funds
  • Failure to meet regulatory standards
  • Failure to perform official duties
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for after-school youth programs that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Legal liability from employee injuries
  • Disability benefits
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance covers property damage and medical payments in an accident involving a business vehicle. Each state has its own requirements for auto liability insurance.

  • Property damage caused by your vehicle
  • Medical bills from an auto accident
  • Vehicle theft and vandalism
Looking for different coverage? See more policies.

How much does insurance cost for after-school youth programs?

Human and social service professional calculating insurance costs for their business.

A small after-school program will pay less for insurance than a larger organization or club.

Factors that affect premiums include:

  • Services offered, such as youth sports or art programs
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get after-school youth program insurance?

It's easy to get business insurance for your after-school program or club if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your after-school program, whether you work independently or hire employees.

Verified business insurance reviews

Hear from customers like you who purchased small business insurance.

Compare insurance quotes for youth programs

Save money by comparing insurance quotes from multiple carriers.