Community Center Insurance Coverage Checklist
The coverages a community center business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for community and recreation centers. Priorities reflect typical exposure; confirm against programs and rentals.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability | Covers guest and participant injuries — confirm the activity isn't excluded. | Core | |
| Abuse & Molestation | Covers abuse allegations involving minors — often excluded or sublimited. | Core | |
| Tenant / User Liability Program | Offers renters event coverage so outside groups are insured. | Prevalent | |
| Commercial Auto | Covers program transportation. | Situational | |
| Commercial Property & Business Income | Covers the facility and lost income after a loss. | Core | |
| Directors & Officers | Covers nonprofit boards. | Prevalent |
The coverage gap most often missed
The most commonly missed exposure for this class is outside renters. Groups that rent the center for parties, alcohol, or bounce houses bring risks the center doesn't control, and without a signed agreement and the renter's own insurance, claims land on the center. Centers should require rental agreements with hold-harmless terms and renter insurance, and restrict high-risk activities.
Send us the checklist and we'll review your community center coverage line by line, then market it across multiple carriers that compete for your account.
Related: Community Center Insurance · Community Center Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a community center business need?
The core coverages for a community center business are Commercial General Liability, Abuse & Molestation, Commercial Property & Business Income. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my community center coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.