Insurance for After-School Youth Programs

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A sports injury or allegation of mismanaged funds could result in a disruptive lawsuit. Insurance for after-school programs can cover medical bills from an accident, as well as legal costs.

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Insureon helps after-school youth programs compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

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

These policies cover common risks of after-school enrichment programs.

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General liability insurance

General liability insurance covers common risks, such as a child slipping near the pool at a YMCA. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged student property
  • Libel or slander lawsuits
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Business owner’s policy

A BOP bundles general liability and property insurance in one plan. A BOP is the best line of defense for Big Brothers Big Sisters, Boys and Girls Clubs, and similar youth programs.

  • Visitor injuries
  • Damage to student property
  • Damage to youth center property
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Professional liability insurance

This policy can cover expenses if your after-school youth program is sued for a mistake or negligence, such as failure to prevent an injury from bullying.

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

Directors and officers insurance 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
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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 costs
  • Missed wages
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Commercial auto insurance

Commercial auto insurance can pay for third-party property damage and medical bills in an accident, along with damage caused by theft, weather, and vandalism.

  • Car accidents
  • Vandalism and theft
  • Weather damage
Looking for different coverage? See more policies.

Why do youth centers need insurance?

You help to strengthen the intellectual, social, and physical abilities of your community’s youth. Though rewarding, your work involves unique challenges. After-school youth program insurance can help pay legal and medical costs related to sports injuries, bullying, accusations of mismanagement, and more.

How much does insurance cost for human and social services such as youth programs?

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Several factors will have an impact on insurance costs, including:

  • Services offered, such as sports and arts programs
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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