After School Program Insurance — Coverage, Cost & Requirements

After school programs — whether operated by nonprofits, churches, school districts, or private companies — supervise children during the hours when working parents are most vulnerable to gaps in care. That responsibility creates significant liability: a child injured during an activity, a field trip incident, a transportation accident, or an allegation of staff misconduct can each generate claims that exceed basic GL limits. After school program insurance includes general liability for injuries on premises and during activities, abuse and molestation liability required by most facility leases and grants, professional liability for supervision failures, commercial auto or hired/non-owned auto if you transport students, and workers' comp for your program staff.