Zurich American Insurance Co. has launched a new product under its ZProgramsMatch specialty insurance program to protect YMCAs, Jewish community organizations and camps.
The program, which is available through Zurich Program Administrators, offers property insurance; crime; inland marine; general liability, including aquatics and child sexual abuse; professional liability; auto; umbrella; workers’ compensation; directors and officers; and cyber liability.
Full limits are available on property policies; general liability policies are capped at $1 million/$2 million per occurrence; and umbrella policies offer coverages up to $25 million.
Eligible partners, which must have business management experience, include officially chartered YMCAs; Jewish community organizations, such as Jewish Centers for Community Services, federations, day schools, and family and child services agencies; and “nature-based, mission-driven” camps that have been certified by the American Camp Association.
Additional program highlights include:
- Risk Consulting — Dedicated risk consulting specialized for, and deeply experienced in, youth-serving operations
- Safety Training Institute — Online training and educational content/events for customers and their staff; subscriptions are included at no additional cost
- Claims & Crisis Management — Dedicated claims handling and crisis management for youth-serving organizations
The program is not available to general community centers, Boys and Girls Clubs, Boy Scouts, Girl Scouts and any unchartered or non-certified YMCA, JCC or camp.
Ineligible risks under the program include:
- Risks that do not perform criminal background checks on all employees and volunteers working directly with children
- Risks that offer any pools that are open without a certified lifeguard on duty
- Risks that offer any skate parks that are considered open parks
- Therapeutic camps: camps that offer non-medical therapy, including but not limited to programs for adjudicated youth, youth at risk, behavioral or substance abuse problems, wilderness therapy or boot camps
- Detention camps for prisoners or juvenile offenders
- Stand-alone sports camps or clinics
- Camps operated and/or owned by the Boy Scouts of America
The program is nationwide; however, workers’ compensation is only available in Alaska, Alabama, Arkansas, Arizona, Connecticut, the District of Columbia, Georgia, Idaho, Indiana, Kansas, Kentucky, Louisiana, Maryland, Minnesota, Missouri, Mississippi, North Carolina, Nebraska, Nevada, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and West Virginia.
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