Unique Risks We Address

Every youth associations faces specific risks. We make sure you're covered.

Youth participant injuries

Mentor misconduct

Field trip accidents

Bullying incidents

Transportation liability

Unauthorized contact

Activity injuries

Background check gaps

Coverage Options

Recommended Coverage

Tailored insurance products for youth associations 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

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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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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

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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

Serving All of Arizona

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

Frequently Asked

Is abuse & molestation coverage mandatory?

While not always legally required, it is effectively mandatory for any organization serving youth. Parents expect it, funders require it, and it protects your organization from devastating claims.

Are volunteer mentors covered?

Volunteers acting within their assigned duties are covered under GL. However, background checks, training, and clear policies are essential risk management steps beyond insurance.

What about overnight trips and camps?

GL and Professional Liability cover supervised overnight activities. Higher-risk activities should be reviewed with your agent. Always require signed waivers and medical forms.

Youth Association Insurance

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