Youth programs carry unique risk. You manage kids. Parents. Volunteers. Property. Travel. One incident can change everything.
You need the right mix of coverage: General Liability, Sexual Abuse and Molestation, & Accidental Injury.
Here is how each one protects you and why broker access matters.
General Liability coverage forms the foundation. It responds when someone claims bodily injury or property damage caused by your operations.
Examples you face every season:
- A spectator slips at a game.
- A student trips on school grounds.
- A parent claims property damage during a camp event.
- GL handles defense costs. It pays covered claims. It protects your balance sheet when accidents happen in plain sight.
Sexual Abuse and Molestation coverage requires special attention.
SAM addresses allegations of abuse or misconduct involving minors. Even unfounded claims trigger severe costs. Key realities you should know:
- Claims involve long reporting tails.
- Defense expenses escalate fast.
- Standard GL policies often exclude this exposure.
- Many carriers avoid SAM entirely. Others limit capacity or impose strict underwriting.
This is where your broker matters most. Access to specialty markets makes the difference between a viable program and a dead end. For youth organizations this coverage often decides whether you stay open.
Accidental injury coverage fills a critical gap. It pays medical benefits directly to the injured participant. No fault required. Why programs rely on it:
- Kids get hurt playing sports.
- Parents want fast help with medical bills.
- Claims resolve without lawsuits.
- Accident coverage reduces friction. It lowers the chance a minor injury turns into a liability claim. Schools. Camps. Leagues. All benefit from this buffer.
The right structure matters as much as the coverage itself. Limits must align with enrollment size. Deductibles must match cash flow. Policy wording must reflect real activities. This is not a commodity placement. Youth programs demand brokers who know the carriers. Know the exclusions. Know how underwriters think.
When SAM coverage proves difficult to place. Experience and market access decide outcomes. A broker with the right relationships opens doors others cannot.
If you run a school. Camp. League. Or youth organization. Your insurance choices protect more than assets. They protect trust. Parents expect you to get this right.
If you need assistance with coverage for your organization, reach out to Landsman Insurance Services today.