Scouting organizations, Boys & Girls Clubs and mentoring programs run on volunteers and meet in buildings they often do not own — two facts that shape the whole insurance program.
Most direct contact with young people is by volunteers rather than staff, which changes both how liability attaches and how injuries are covered.
Programs that pair an adult with a young person carry abuse and molestation exposure directly, and standard liability policies exclude it.
Meeting in a church hall, school or community centre usually means a lease or use agreement with its own insurance requirements to satisfy.
Every organization is different — this is the usual starting point, not a fixed list.
Since 1986 we have placed coverage for the organizations that care for people across California — nonprofit and for-profit alike. That means reading the funding contract, the lease and the program description before we go to market, so the policy matches how you actually operate.
We also include free unlimited access to HR specialists, and we don’t charge a broker fee with most of our insurance programs.
Most organizations we insure do more than one thing. Tell us how yours actually runs and we’ll tell you what you need.
