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