The Hartford doesn’t offer insurance for after-school programs 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 Insurance for After-School Programs?
Insurance for after-school programs is made up of different types of business insurance coverages to help protect you from the risks you face while you care for kids. From slips in the hallway and damaged sports equipment to parent complaints or accidents during pickup, coverage options are designed to help keep your programs running smoothly. Whether you're renting space in a school or operating your own center, after-school program insurance can help protect your team, your property and your peace of mind.
Common types of coverage that may be part of an after-school program insurance package include:
- Workers’ compensation insurance
- Commercial auto insurance
- General liability insurance
- Cyber insurance
Although The Hartford doesn’t offer after-school activity insurance, you can get the coverage you’re looking for through Tivly.
Why Might You Need Insurance for After-School Programs?
Insurance for after-school programs can help lessen the financial impact of potential claims, so you can stay focused on supporting your kids and staff.
After-school program insurance can protect you from many potential risks, like:
- Slip-and-fall: A child slips during playtime and a parent files a claim for their medical bills.
- Property damage: Your reading nook carpet is ruined after a water leak, and you have to pay for quick repairs.
- Theft: Your laptop and speaker system go missing during a weekend event and you need to replace them.
Youth Program Insurance Coverages
When it comes to protecting your after-school program, you’ll want to ensure you have the right coverage for your potential risks. Many after-school program coordinators have a Business Owner’s Policy (BOP) because of the peace of mind it can provide. It combines three types of coverage to help protect you from common issues you might face during normal operations:
General liability insurance helps protect your after-school program from claims that it caused bodily injury or property damage to others. For example, if a child gets hurt during dodgeball, this insurance can help cover their medical bills and your legal costs if you get sued.
Commercial property insurance
helps protect the owned or rented building you operate from, as well as the tools, equipment and supplies you rely on. These can include:
- Furniture
- Writing and craft supplies
- Sports equipment
- Computers
- Printers
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage caused by fire, wind or theft. You can use this coverage to help pay ongoing operating costs, such as payroll or utility bills.
It’s important to know that a BOP won’t cover every kind of claim you may face as you run your after-school program. You may need to get other types of insurance for well-rounded protection, such as:
Workers’ compensation insurance to help your employees recover from a work-related injury or illness, like if a team member sprains an ankle while supervising kids on the playground.
Commercial auto insurance to help cover the costs of an auto accident that occurs while you or one of your employees is using a company-owned vehicle for work. For example, if you sideswipe another car while transporting kids to a field trip, this insurance can help cover the property damage claim.
How Much Does Insurance for After-School Programs Cost?
The cost of after-school program insurance varies because every provider faces unique risks. Insurance companies may 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
While The Hartford doesn’t offer coverage for after-school programs, here are the average costs our small business customers pay for common types of insurance. You can use this to help estimate your coverage 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
To find out your specific after-school program insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A parent sued our program after falling in the parking lot at pickup, claiming we didn’t clear the snow and ice.”
General liability helps cover claims that your business caused bodily injury or property damage to someone else.
Employment Practices Liability Insurance (EPLI)
“We were accused of wage discrimination by a new employee.”
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment.
Workers’ Compensation Insurance
“One of my teachers noticed an aching pain in her shoulder. She was diagnosed with a repetitive stress injury and had to start going to physical therapy to recover.”
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.
Professional Liability Insurance
“A parent sued us because she felt we weren’t accommodating her daughter’s special needs.”
Professional liability insurance helps protect your business from claims that you made an error in the professional services you performed. It can help pay attorney fees or other court-related costs.
Commercial Property Insurance
“Our instruments and art supplies were ruined because of a leak in the storage closet.”
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 office manager used our program’s van to pick up supplies when he accidentally rear-ended another car in traffic.”
Commercial auto insurance can help 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 After-School Program Insurance Options
Protect your program and all the things that make it special. Get a quote through Tivly.
Last Updated: December 12, 2025
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 United Educators, “Large Loss Report 2025”
3 National Safety Council, “Musculoskeletal Injuries”
4 Risk & Insurance, “Water Damage Is a Leading Cause of Commercial Real Estate Claims. How Sensor Technologies Help Mitigate These Claims”
** 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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