Insurance for After-School Youth Programs

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After-School Youth Program
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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.

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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 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.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • 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 human and social services?

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

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 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.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
Programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
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