Business Insurance for Community Centers

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Community Centers/Youth Centers
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An accident at your pool, staff injury, or damaged exercise equipment could incur significant costs for your community center. Mitigate expenses with insurance designed for your risks.

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One application, multiple quotes

Insureon helps community centers compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do community centers need?

These policies provide coverage for common risks community centers face.

General liability insurance icon

General liability insurance

This policy covers basic risks, such as a student getting injured during an after-school activity. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Visitor property damage
  • Libel or slander lawsuits
Business owner’s policy icon

Business owner’s policy

A business owner’s policy bundles general liability and property insurance. A BOP is often the most cost-effective type of commercial insurance for a community center.

  • Visitor injuries
  • Damage to visitor property
  • Damage to community center property
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance (E&O), can help cover expenses if a community member sues your organization for failing to provide promised services.

  • Accusations of negligence
  • Failure to perform professional duties
  • Work mistakes or oversights
Directors and officers insurance icon

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 icon

Workers’ compensation insurance

Most states require workers' comp for community centers that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Employment practices liability insurance icon

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 wrongful termination
Looking for different coverage? See more policies.

Why do community centers need insurance?

From fitness programs to social support, you provide life-changing services. Because your work may involve physical activities and serving large groups, your nonprofit faces many risks. Community center insurance can pay for legal costs and other losses resulting from injuries, lawsuits, and more.

How much does insurance cost for nonprofits?

Person writing on tablet calculating cost of business insurance.

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

  • Nonprofit services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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Community Centers/Youth Centers