Business Insurance for Community Centers

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Community Centers/Youth Centers
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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 large groups, your nonprofit faces many risks. Business insurance can pay for lawsuits and other losses from a staff injury, an accident at your pool, or theft.

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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 easy 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.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • Sexual harassment lawsuits
  • Discrimination claims
  • Claims of wrongful termination
Looking for different coverage? See more policies.

How much does insurance cost for nonprofits?

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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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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:

  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 community center, whether you work independently or hire employees.

What our customers are saying
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