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After-School Program Insurance in Washington

After-school programs provide important services for families, but supervising children outside normal school hours creates a unique combination of exposures.
Programs may provide homework assistance, tutoring, recreation, sports, arts and crafts, meals, transportation, field trips, or other activities. Each can introduce different insurance considerations.
FirstMark Insurance Group helps after-school programs throughout Washington evaluate insurance options based on how and where they operate.

Insurance Coverage for After-School Programs

Depending on your organization’s activities, insurance may include:

• General Liability Insurance: Helps address certain third-party bodily injury and property damage claims.
• Professional Liability: May address certain allegations involving professional services, supervision, or program activities.
• Commercial Property: Can protect eligible equipment, furniture, computers, supplies, and other property.
• Workers’ Compensation: Provides applicable benefits for covered employee injuries and occupational illnesses.
• Commercial Auto: Particularly important when an organization transports children.
• Cyber Liability: May help with certain data breaches and cyber incidents involving family, student, or employee information.
• Umbrella or Excess Liability: Provides additional limits over certain underlying liability policies.

Sexual Abuse and Molestation Coverage for Youth Programs

Sexual Abuse and Molestation (SA&M) coverage helps protect businesses and organizations from allegations of sexual abuse or molestation involving patients, clients, residents, students, participants, employees, volunteers, or other third parties.
It is particularly important for healthcare providers, senior living facilities, behavioral-health organizations, schools, childcare providers, youth programs, nonprofits, faith-based organizations, fitness facilities, and any business serving vulnerable populations.
After-school programs can have significant exposure because employees and volunteers may supervise children in classrooms, recreation areas, vehicles, changing areas, or off-site environments. Standard General Liability policies usually exclude or significantly restrict coverage for these allegations.
Since these allegations can result in substantial defense costs, settlements, judgments, and claims involving multiple alleged victims or responsible parties, we recommend a $1M SA&M limit for most organizations with regular contact with children, patients, residents, or other vulnerable individuals.

Transportation and Field Trip Exposures

Transportation can be one of the most significant exposures for an after-school program.
Organizations may pick children up from school, transport them to the program facility, take participants to parks or activities, or use employee-owned vehicles.
Commercial auto coverage should be considered for organization-owned vehicles. If employees or volunteers use personal vehicles on behalf of the organization, hired and non-owned auto liability may also be worth discussing.

Sports, Recreation and Off-Site Activities

An after-school tutoring program has different risks than a program offering basketball, swimming, hiking, gymnastics, or frequent field trips.
Your insurer should understand the actual activities you provide. Certain higher-risk activities may be excluded or subject to special underwriting requirements.

After-School Program Insurance FAQs

What insurance does an after-school program need?

Common considerations include general liability, professional liability, SA&M coverage, workers’ compensation, property, cyber liability, commercial auto, and umbrella coverage. Your activities, enrollment, staffing, and transportation practices can influence your needs.

Does general liability include abuse and molestation coverage?

It should not be assumed. Standard General Liability policies usually exclude or significantly restrict coverage for sexual abuse and molestation allegations. After-school programs should specifically review Sexual Abuse and Molestation coverage and its applicable limits.

Do we need commercial auto insurance if we pick children up from school?

Organizations owning vehicles generally need appropriate commercial auto coverage. Programs using employee or volunteer vehicles should also discuss hired and non-owned auto exposures with their insurance agent.

Are field trips covered by after-school program insurance?

Coverage depends on the policy and activity. Off-site activities should be disclosed when arranging coverage, particularly when they involve transportation, sports, water activities, or other potentially higher-risk exposures.

After-School Program Insurance in Washington

From tutoring programs to recreational youth organizations, FirstMark Insurance Group can help evaluate insurance based on the activities your program actually provides.
Contact us at 206-462-3293 to discuss after-school program insurance in Washington.