Grow Young Minds. Guard Every Program.
Protecting the for-profit programs that teach, mentor, and inspire children
Enrichment programs deliver skill-building and discovery outside the regular school day — after-school STEM, coding and robotics, music and art studios, chess, language immersion, learning pods, and summer enrichment academies. Because the model is built on repeated, trust-based contact with minors, the risk profile is different from an ordinary small business and different again from an academic tutoring center: abuse and molestation is the signature exposure, bodily injury to children is constant, and many programs add a transportation exposure the day they start picking students up from school. Whether you run a single studio or a multi-site program operating inside schools and community centers, your coverage has to match how children are actually supervised and moved.
This page is for the for-profit enrichment operator. Mission-driven nonprofits built on volunteer mentors are better served by our youth development and mentoring insurance page, and one-on-one academic instruction by our tutoring business insurance page.
Key Risks in Operations
Abuse or molestation allegations involving the minors in your care — the signature exposure
Bodily injury to children during activities, free play, or program transitions
Transportation and auto exposure when staff drive students or pick them up from school
Property damage at your own studio or at schools and facilities you operate inside
Professional liability from instructional decisions or claims a program failed to deliver
Cyber liability from enrollment, scheduling, and payment platforms holding minors' data
Employee and instructor injuries during active, hands-on programming
Contractual liability assumed under facility-use or school-district agreements
Losses can arise even when a program is well run and well staffed.
Core Coverages
Sexual Abuse & Molestation Liability — The defining coverage for any program working with children — responds to allegations of misconduct and the failure-to-supervise and negligent-hiring claims that follow. Confirm it is at a meaningful limit, not a small sublimit.
General Liability — Protects against bodily injury and property damage claims arising from program activities at your location, inside schools, or at off-site venues.
Professional Liability — Covers allegations that instruction, supervision, or program design was negligent or failed to deliver what was promised.
Commercial Auto — Responds to accidents involving program-owned vehicles or vans used to transport students.
Hired & Non-Owned Auto — Covers staff who use their own or rented vehicles to pick up students or run program errands — a gap personal auto policies routinely exclude for business use.
Participant Accident / Medical Payments — Pays medical costs for a child injured during the program regardless of fault, keeping small injuries from becoming liability claims.
Commercial Property — Protects equipment, instruments, technology, kits, and materials from covered physical losses.
Cyber Liability — Covers data breaches involving the enrollment, scheduling, and payment platforms that store families' and minors' personal information.
Workers' Compensation — Provides coverage for instructor and staff injuries during active programming.
Umbrella / Excess Liability — Adds limits above the primary policies for the severe abuse or injury claims that can exceed them.
What's Commonly Overlooked
Enrichment insurance programs are often weakened by:
Abuse and molestation written at a token sublimit instead of a meaningful limit
No hired and non-owned auto coverage when staff drive students or pick them up from school
Missing participant accident coverage, so every childhood bump becomes a liability question
General liability that excludes activities held off-site at schools, parks, or community centers
Gaps in coverage for independent contractors and seasonal instructors working under the program's name
No cyber coverage for the online platforms collecting minors' enrollment and payment data
These gaps typically surface at claim time — not before.
A misconduct allegation is filed involving an instructor and a child in the program
A student is injured during a hands-on activity or while moving between rooms
A staff member is in an accident while driving students home from an after-school session
A data breach exposes family payment and enrollment records held by an online platform
A child is hurt at an off-site program the general liability policy did not clearly cover
Even a single claim can halt enrollment, damage family trust, and threaten the program's survival.
Why Proper Placement Matters
Coverage varies significantly based on:
Ages served and the proportion of the program that involves minors
Whether staff or vehicles transport students, and how pickups are handled
On-site studio vs. programs run inside schools, community centers, or client facilities
Subject matter and activity level — physical, technical, or performance-based programming
Use of independent contractors, seasonal instructors, and volunteers
Contractual requirements imposed by schools, districts, or landlords
Improper placement can lead to uncovered claims, lost facility contracts, or a coverage gap exactly where children are most exposed.
Our Approach
At Cory Washington & Co., we structure enrichment program insurance around the two things that actually drive these claims: trusted adult contact with minors and the movement of children between home, school, and your program. We coordinate abuse coverage, general and professional liability, auto, and participant accident so every child in the program — and every instructor who serves them — is protected.
Inspiring young minds. Protected with purpose.
All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.
See the coverages an enrichment program business may carry — core, prevalent, and situational — plus the gap most often missed, in the Enrichment Program Coverage Checklist.
Complete the Enrichment Program Supplemental online in a few guided steps, download the fillable PDF, or browse all applications.
Frequently Asked Questions
How do I get enrichment program insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate enrichment program insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
What does enrichment program insurance cost?
It depends on your exposure. Enrichment program insurance is priced on factors like your industry, size, prior claims, and the limits and deductibles you select — so two businesses rarely pay the same. We shop your account across competing carriers and present the trade-offs in plain English.
Is enrichment program insurance required?
It depends on your situation. Some coverage is required by law; more often, enrichment program insurance is required by a contract, lease, lender, or client before they will do business with you — and even when it is not mandated, it guards against exposures that can be severe. We review your operations and obligations and tell you plainly what you need and why.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.