The Hartford doesn’t offer community center insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Community Center Insurance?
Community center insurance is made up of different types of business insurance coverages designed to help protect you from the risks you might face on the job. Whether you’re hosting educational programs, fitness classes or local events, your day-to-day operations come with unique challenges, like accidental injuries, property damage or even theft.
A community center insurance package could include these common types of coverages:
- General liability insurance
- Workers’ compensation insurance
- Commercial auto insurance
- Business Owner’s Policy (BOP)
Why Might You Need Community Center Insurance?
Community center insurance coverage is important to have because it can help you deal with everyday challenges as you provide space for your community to gather. From a visitor slipping in the lobby to property damage caused by a storm or vandalism, there are many scenarios that could impact your operations. For example, if a fitness instructor accidentally hurts a guest, you could face a costly lawsuit.
The right type of insurance can help protect your community center from many potential risks, like:
- Bodily Injury: A visitor slips on a wet floor during an event and files a lawsuit for medical expenses.
- Lost Income: A projector used for an educational seminar breaks down, forcing you to cancel and refund attendees.
- Property Damage: Water damages your storage room and supplies, disrupting your operations and causing unexpected expenses.
What Community Center Insurance Coverages Might I Need?
When it comes to protecting your community center, you’ll want protection that matches your potential risks. Many small business owners start with a Business Owner’s Policy (BOP) because of the peace of mind it can provide.
A BOP combines three types of coverages to help protect your center from common risks:
General liability insurance helps protect your organization from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools, supplies, inventory and equipment you rely on. These can include your:
- Fitness equipment
- Furniture
- Sport equipment
- Computers
- Arts and crafts supplies
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage caused by fire, theft or wind.
It’s important to remember that a BOP won’t cover every kind of claim your community center could face. You’ll need to get other types of coverage to create a well-rounded insurance plan, including:
Workers’ compensation insurance to help your employees recover from a work-related injury or illness.
Commercial auto insurance to help cover claims of bodily injury or property damage related to a car accident your business causes when you or an employee uses a company-owned vehicle for work.
How Much Does Community Center Insurance Cost?
Although The Hartford doesn’t offer coverage for community centers, here are the average costs our small business customers pay for common types of coverages. You can use these amounts to help estimate your insurance costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of community center insurance varies because every center has unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific community center insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A parent sued our center after their child slipped and fell in our lobby and broke her leg.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Liquor Liability Insurance
“After serving alcohol at a fundraiser, we were sued for over-serving a guest who ended up causing an accident.”
Liquor liability insurance helps protect businesses that sell, serve or distribute alcohol. This type of business insurance can help cover claims of bodily injury or property damage that an intoxicated person caused after your center served them alcohol.
Workers’ Compensation Insurance
“One of my team members was diagnosed with a repetitive stress injury after teaching a class. They had to take two weeks off from work and go to physical therapy for treatment.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Volunteer Accident Insurance
“One of our longtime volunteers slipped while setting up tables before a senior luncheon. We had to call for paramedics.”
Volunteer accident insurance provides benefits to help volunteers recover from injuries that occur while serving your organization. It can help cover medical expenses and, in some cases, lost income if they need to take time off from work.
Commercial Property Insurance
“A pipe burst at our center, damaging our computers, furniture and documents.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Commercial Auto Insurance
“My program director was using the center van to pick up supplies for an event. She accidentally backed into another car, causing some damage on the fender.”
Commercial auto insurance helps cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.
Get a Quote for Community Center Insurance Solutions
Protect the programs, people, and spaces that help your community thrive. Get a quote through Tivly today.
Last Updated: April 28, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed April 2026.
3 U.S. Bureau of Labor Statistics, "Employer-Reported Workplace Injuries and Illnesses in 2023,” viewed April 2026.
4 Risk & Insurance, “Water Damage Is a Leading Cause of Commercial Real Estate Claims. How Sensor Technologies Help Mitigate These Claims,” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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