Unique Risks We Address

Every head start faces specific risks. We make sure you're covered.

Child injuries

Federal compliance requirements

Bus/van transportation

Meal service liability

Home visit risks

Parent allegations

IEP implementation claims

Staff background check gaps

Coverage Options

Recommended Coverage

Tailored insurance products for head start operations.

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General Liability

Protects against bodily injury and property damage claims from your operations, premises, and programs.

Premises liability
Operations coverage
Personal & advertising injury
Medical payments

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Abuse & Molestation

Critical coverage for organizations serving vulnerable populations — covers allegations of abuse or misconduct.

Abuse allegations
Investigation costs
Defense expenses
Background check gaps

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Professional Liability (E&O)

Coverage for claims of negligence, errors, or omissions in the professional services your organization provides.

Service delivery errors
Advice & counsel claims
Program failures
Referral liability

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Property & Contents

Covers your building, furnishings, equipment, and inventory against fire, theft, vandalism, and natural disasters.

Building coverage
Contents & equipment
Business interruption
Valuable papers

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Workers' Compensation

Required coverage for employees injured on the job — covering medical expenses, lost wages, and rehabilitation.

Medical expenses
Lost wages
Rehabilitation
Employer liability

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Commercial Auto

Covers vehicles owned, leased, or used by your organization for transporting clients, supplies, or staff.

Owned vehicles
Hired & non-owned auto
Client transport
Volunteer drivers

Serving All of Arizona

📍 Phoenix 📍 Tucson 📍 Mesa 📍 Chandler 📍 Scottsdale 📍 Glendale 📍 Gilbert 📍 Tempe 📍 Peoria 📍 Surprise 📍 Yuma 📍 Flagstaff

Frequently Asked

Does Head Start have special insurance requirements?

Yes. Federal grantees must maintain specific coverage types and limits. Head Start programs typically need GL, Professional Liability, Abuse & Molestation, Commercial Auto (for buses), Property, and Workers' Comp.

Are home visits covered?

Yes. General Liability and Professional Liability extend to off-site activities like home visits, as long as they're within the scope of your program operations.

What about our buses and vans?

Commercial Auto insurance is essential for Head Start programs that transport children. This is often a federal requirement and should include high liability limits.

Head Start Program Insurance

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