🏊 YMCA / YWCA

YMCA / YWCA Insurance

Insurance for YMCA, YWCA, and community recreation organizations across Arizona. Protect your members, programs, facilities, and staff with comprehensive coverage.

Fast quotes — often within 24 hours
🏆A-rated carriers only
📋Same-day certificates

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Unique Risks We Address

Every ymca / ywca faces specific risks. We make sure you're covered.

Pool/aquatic injuries
Youth program misconduct
Gym & fitness injuries
Camp program accidents
Childcare incidents
Locker room liability
Sports league injuries
Facility slip & falls
Coverage Options

Recommended Coverage

Tailored insurance products for ymca / ywca operations.

🛡️

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
🔒

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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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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Directors & Officers (D&O)

Shields board members, officers, and volunteers from personal liability for organizational decisions.

  • Wrongful acts defense
  • Employment claims
  • Breach of duty
  • Regulatory actions
⚙️

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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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

Serving All of Arizona

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

Frequently Asked

What are the biggest insurance needs for a YMCA?
GL, Abuse & Molestation (critical for youth programs), Property (for your facility), D&O, and Workers' Comp. Aquatic liability endorsements are essential if you have a pool.
Does insurance cover camp programs?
Yes. Day camps and overnight camps are covered under GL and Professional Liability. Higher-risk activities like ropes courses, swimming, and field trips may need review with your agent.
Are our pool operations covered?
Standard GL covers aquatic activities. We recommend ensuring adequate limits and verifying lifeguard certification requirements are met. Some carriers offer aquatic-specific endorsements.
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