While many insurers restrict or exclude coverage for YMCA activities, we offer broad coverage for a range of exposures, including:

    • Workers' Compensation Program
    • Abuse and Molestation
    •  Medical Payment Coverage up to $10,000
    •  Property Damage
    •  Risk Management Services
    •  Customized Coverages

Workers’ Compensation Program
Redwoods’ proactive, service-oriented Workers’ Compensation Program for YMCAs ensures quality claims management and timely medical care for injured employees. Our dedicated national claims staff and in-house Case Management Specialist work with all parties to help injured employees remain in or return to the workplace as quickly as possible.

Abuse and Molestation
We provide all YMCAs in our program with at least $1 million of abuse and molestation coverage. At all times, your YMCA will be covered for and defended against any liability involving these type of allegations.

Medical Payment Coverage up to $10,000
With your involvement, we help you avoid lawsuits by paying claimants for minor injuries incurred on YMCA premises. This includes, but is not limited to, claims arising from athletics, camp and day-care programs.

Property Damage
We provide exceptionally broad property damage coverage, including "blanket" coverage to accurately reflect the activities of your YMCA.

Risk Management Services
Our risk management services are specifically designed for YMCAs, are included in our pricing, and are the hallmark of The Redwoods Group Insurance Program for YMCAs. We'll integrate our insight and expertise with your management team by:

    •  Developing a series of risk management workshops for your executive staff
    •  Training your staff on hiring practices, child abuse prevention, camp counseling, and safe driving
    •  Conducting an annual risk management assessment, regular site visits, incident analysis and claims         reviews
    •  We're also committed to reviewing our coverage and services regularly, ensuring that they meet your         challenging needs

Customized Coverages
Our program scope and coverage is customized to meet your YMCA's needs.
    •  Workers Compensation
    •  Building & Contents
    •  Blanket limits offered
    •  Agreed amount endorsement
    •  Crime
    •  Employee dishonesty
    •  Monies and securities/forgery
    •  General Liability
    •  Limited above-ground pollution coverage for pools.
    •  Coverage for off-site childcare.
    •  Employees and volunteers covered as additional insureds.
    •  Medical payments, including all activities conducted by the YMCA.
    •  Saddle animal liability.
    •  Watercraft.
    •  Abuse and molestation coverage.
    •  Commercial Automobile
    •  Liability limit of $1,000,000
    •  Coverage for bus rental available
    •  Umbrella Liability
    •  Sexual abuse coverage available
    •  Boiler & Machinery
    •  Directors & Officers Liability