Why do community centers need commercial insurance?
From fitness programs to social services, you provide life-changing support for individuals and families. Because your work may involve physical activities and groups, risk management is crucial. Business insurance can pay for financial losses from an accident at your swimming pool, staff injury, or theft.
One application, multiple quotes
Insureon helps community centers compare insurance quotes from top U.S. carriers online.
Get multiple quotes with a single easy online application.
What types of insurance do community centers need?
These insurance policies cover common risks faced by community centers.
General liability insurance
A general liability policy covers basic risks, such as an accidental injury at a community health center. Bundle it with property coverage for savings in a business owner’s policy.
- Slip-and-fall accidents
- Client property damage
- Libel and slander lawsuits
Business owner’s policy
A business owner’s policy, or BOP, bundles general liability coverage and commercial property insurance at a discount. It protects against common lawsuits and property damage.
- Slip-and-fall injuries
- Damaged client property
- Stolen or damaged community center property
Professional liability insurance
This policy helps cover expenses if a community member sues your organization for an injury due to negligence. It's sometimes called errors and omissions insurance (E&O).
- Accusations of negligence
- Failure to provide promised services
- Mistakes or oversights
Directors and officers insurance
D&O protects board members and officers against legal expenses if they are sued for a decision made on behalf of your community center that led to financial loss.
- Mismanagement of funds
- Failure to perform official duties
- Defamation by a board member or officer
Workers’ compensation insurance
Most states require workers' comp for community centers that have employees. It also protects sole proprietors from work-related injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Employment practices liability insurance
If a community center is sued by an employee over harassment, discrimination, wrongful termination, or another violation of employee rights, EPLI can pay for legal costs.
- Sexual harassment lawsuits
- Discrimination claims
- Claims of unfair hiring practices
How much does insurance cost for nonprofit organizations?
A small community center with a few employees can expect to pay less for insurance than a larger business.
Factors that affect premiums include:
- Services offered
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get community center insurance?
It's easy to get community center insurance and fidelity bonds 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:
- Complete a free online application
- Compare insurance quotes and choose policies
- 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 community center, whether you work independently or hire employees.
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