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Understanding Risk Exposure and Insurance for Youth Programs

Youth Group Home Insurance

Youth Group homes are designed to house teenagers up to 19 years of age. Besides a roof over a troubled youth’s head, these residences typically provide corresponding individual, group and family counseling, as well as job training programs. Some youth group homes also are involved in services related to adoption, daycare and crisis intervention. Corresponding insurance can cover all of these but excludes detention facilities.



Youth Outreach Program Insurance

Inner-City youth center buildings and equipment are not categorized as residential facilities and can be covered under property and liability insurance. Associated activities include sports and other recreational activities, counseling, tutoring and social gatherings. Coverage relates to the nonprofit sponsor and its employees and volunteers.

Youth Sports Programs and Accidental Death and Disability Insurance

Boy and girl scouts, little leagues, churches, youth clubs, schools and other such organizations either fund or subsidize youth sports. The majority of liability insurance forms and policies provided for these groups do not include bodily injury to sports partakers. Therefore, special group policies can provide partial protection for injured youths with accidental death, disfigurement, disability and medical coverage.

For more on this specialized insurance, speak to a reputable independent insurance agency that has the experience and know-how to pinpoint your needs.

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Summary: Youth group homes, outreach programs and sport programs have specific risks that can be addressed by the insurance industry.