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.
These insurance policies cover common risks faced by community centers.
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.
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.
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).
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.
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.
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.
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:
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.