Comprehensive Property and Casualty Insurance for

Youth Programs and Clubs

Our property and casualty insurance program for Youth Programs is designed to offer comprehensive coverage to organizations who provide services to children and young people. These providers include At-Risk/Troubled Youth, Child Care Centers, and specific Social Service programs such as Big Brothers Big Sisters, Boys & Girls Clubs, Girls Inc., Head Start Programs, and Court Appointed Special Advocates (CASA) for Children.

Read below to learn more about Coverage Highlights, Eligibility Requirements, and Submission Guidelines.


  • Replacement Cost, Agreed Amount & Blanket Limit
  • Equipment Breakdown
  • Earthquake & Flood available
  • Emergency Vacating Expense
  • Client Monies & Securities included
  • Room Reserve
  • Business Income / Extra Expense
  • Extermination Expense to $5k

General Liability
(Occurrence & Claims made available)

  • $1M / 3M Limits Standard
  • Fundraising Events including Liquor Liability
  • Broad Additional Insured included
  • Medical Payments up to $25k available
  • Fire Legal Liability
  • Separate, Dedicated Abuse Limits
  • Abuse & Molestation for Employee / Client / 3rd Party
  • Aggregate per Location Endorsement
  • Crisis Response
  • Defense outside the Limits
  • No binding arbitration endorsement
  • HIPAA *where available


  • Up to $25M limits
  • Broad coverage over GL, PL, Abuse & Auto
  • $10k Minimum Retention (SIR)


  • Employee Theft
  • Forgery or Alteration
  • Fraudulent Impersonation Coverage
  • Exposure for In-Home Service Providers
  • Clients Property for Janitorial Contracts

Inland Marine Form

  • Blanket EDP Coverages
  • Builder’s Risk Coverage available
  • Scheduled Equipment

Professional Liability
(Occurrence & Claims made available)

  • $1M / 3M Limits Standard
  • Employed and Contracted Professionals
  • Independent Contractors (excluding MDs)
  • Vicarious Liability of Doctors
  • Primary Care Clinics Covered, if eligible
  • Psychiatrist, Psychologist Coverage

Commercial Auto

  • $1M Combined Single Limit Liability
  • Employees as Insured
  • Non-Owned / Hired Auto
  • Hired Auto Physical Damage
  • Auto Loan / Lease Gap (where available)
  • $50 Towing Limit for Private Passenger Vehicles
  • Drive Other Car – Executive Officers
  • Rental Reimbursement available
  • UM / UIM Coverage
  • Aid to Families with Dependent Children
  • Alternatives to Incarceration
  • At-Risk Youth Programs
  • Big Brothers Big Sisters
  • Boys & Girls Clubs
  • Boys & Girls Residential Facilities
  • Child Care Centers (Day Care)
  • Children Guidance Agencies for At-Risk Youth
  • Children’s Homes / Villages
  • Head Start Programs
  • Homes for Children with Healthcare Incidental
  • Orphanages
  • Runaway Youth Shelters
  • Self-Help Organizations, Youth
  • Teen Outreach Services
  • Troubled Youth
  • Youth Centers (except recreational only)
  • Youth Intervention
  • Brochure or Website
  • Application (ISA will work off another carrier’s application or our own)
  • 5 years currently valued company loss runs with expiring premiums
  • ACORDs or Coverage Requirements
  • Audited Financials or 1120 Income Tax Returns (if For-Profit)
  • Drivers List
  • Financials or Pro-Forma Statement
  • Resume for Executive Director (showing 3-5 years experience)
  • Business Plan

Click here to download
a new business application.

Click here to download
a renewal application.
(current ISA policyholders)