What is Big Sisters Programs?
Big Sisters Programs insurance refers to commercial coverage designed for mentoring and youth-support organizations. Policies are typically tailored to protect volunteer coordinators, board members, and program facilities from general liability exposures, and may include participant accident coverage, property coverage for rented meeting spaces, and other protections that reflect the organization’s activities.
Who needs it
Local chapters, nonprofit clubs, associations, and small organizations that run mentoring, outings, or community events commonly seek this type of coverage. For program administrators and volunteers seeking local market options and agent guidance, see CompleteMarkets Insurance Services for relevant provider listings and storefronts.
What it typically covers
Typical coverages include commercial liability for bodily injury or property damage claims, participant accident coverage for youth injured during supervised activities, and event liability for organized gatherings. Policies can be expanded to cover equipment coverage for program supplies, or limited commercial auto exposure when volunteers transport participants. Coverage limits and endorsements vary by carrier and program activities.
Common exclusions or limitations
Exclusions often include intentional acts, abuse and molestation without a specific endorsement, professional liability for counseling unless added, and certain transportation risks if not expressly covered. Careful underwriting reviews activities, volunteer screening, and facility safety as part of coverage decisions.
Factors that influence cost
Underwriting factors that influence premiums include the number of participants served, frequency of events, whether transportation is provided, claims history, volunteer background checks, and the presence of written safety policies. Risk management measures—such as supervised ratios, waivers (where allowed), and secure facilities—can help manage exposures and influence pricing.
Risk scenario: a supervised outing where a participant slips and is injured illustrates why organizations carry general liability and participant accident coverage.
Proof of insurance & compliance
Many partners, rental facilities, and grant programs require a certificate of insurance naming them as an additional insured. Proof typically shows policy limits and any endorsements; organizations should confirm specific certificate requirements before events or site use.
How to get a quote
Start by documenting typical activities, event frequency, number of volunteers and participants, and any transportation plans. If a storefront is unavailable or you need alternative options, see CompleteMarkets: 'Big Sisters Insurance' Storefront Unavailable — Suggested Providers & Related Coverages for suggested providers and related coverages. For specific limits or endorsements, talk to your agent who can compare options and confirm required endorsements for your program.
Frequently Asked Questions
Do volunteers need to be shown on the policy?
Generally volunteers are covered under a program's liability policy, but confirm with your carrier how volunteers are defined and whether volunteer accident coverage is included.
Can I add additional insureds for event locations?
Yes—most policies allow adding event locations or landlords as additional insureds via an endorsement; confirm certificate wording with your insurer.
Is abuse and molestation coverage automatic?
No. Abuse and molestation is often excluded and requires a specific endorsement or separate coverage—discuss this with your agent if your program includes one-on-one interactions with minors.
Still have questions? Talk to a local insurance expert.