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Customized Solutions

YMCA Risk Management

Alliant offers specialized insurance solutions and strategies that address today’s diverse challenges facing YMCA organizations while promoting safer, more resilient communities nationwide.

 

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Mission-Focused Approach to Risk Management

YMCA organizations face unique insurance and risk management challenges in serving their communities, including rising premiums, shrinking limits and the risks of executing diverse operations and programming for individuals of all ages. Alliant partners with YMCAs to structure resilient risk management frameworks that maximize protection and minimize losses, fortifying their mission to build healthy spirit, mind and body for all.

Customized Risk Management Solutions for YMCAs

At Alliant, our team of YMCA insurance specialists develop a range of traditional and alternative risk transfer solutions that mitigate the risks associated with providing vital community-centered services to children, adults and seniors.  

Comprehensive Coverages

Group Captives

YMCA National Pooled Property
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YMCA Insurance Solutions Designed to Protect Your Community

Alliant develops personalized insurance programs to protect your community of employees, volunteers, participants and members across all of your facility operations and programming. We offer coverages that align with the unique risks of providing childcare, early learning programs and other imperative community services, including general liability, abuse and molestation, workers’ compensation and auto insurance.

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Tailored Captive Services for YMCA Organizations

Alliant offers extensive expertise in developing alternative risk solutions that help organizations finance or transfer exposure while maximizing control over risk management and claims. Our captive programs can provide YMCAs with an opportunity to reinvest in their mission with comprehensive coverage across primary general liability, automobile, workers’ compensation and lead umbrella coverages including abuse-on-an-occurrence basis.

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Property Insurance for the Full Spectrum of YMCA Exposures

Leveraging the strength of the Alliant Property Insurance Program (APIP), the Alliant YMCA team works closely with associations and state alliances to offer property insurance for the wide range of exposures faced by YMCA organizations, including camps. Alliant provides YMCA organizations with innovative insurance solutions and price stability through group purchasing power for property insurance, earning organizations considerable cost savings and improved loss prevention.

Specialized Expertise in Serving Community-Focused Associations

With decades of experience serving the unique exposures of community-based associations, the Alliant YMCA team is comprised of seasoned risk management specialists who understand the critical protections your organization requires, including coverage for your participants and staff, facility operations and programs. We leverage our long-standing expertise and network of A-rated insurers to optimize conditions for local community mission delivery, backed by strategic risk management and insurance solutions.

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Risk Management Framework that Maximizes Child Safety

YMCA programs like childcare, aquatics and peer-to-peer activities create elevated exposure to abuse and accidents. The Alliant YMCA team takes a proactive approach to risk management by helping you identify high-risk areas and implement critical loss control initiatives and safeguards, tailored to your unique organization. We offer comprehensive abuse and molestation coverage to protect against misconduct by staff, volunteers or participants, covering legal fees, settlements and damages.

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Dedicated YMCA Claims Management Services

The Alliant YMCA team is committed to resolving claims in a timely and equitable manner, ensuring you receive the entitled benefits of your insurance policy. Our claims advocates support your organization throughout the entire lifecycle of a claim to protect your financial interests and mitigate losses. Our advocacy services include specialized management for common insurance claims such as aquatics incidents, childcare injuries and property loss.

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Holistic YMCA Risk Solutions and Services

Alliant offers a wide variety of coverage solutions to address your YMCA organization’s unique exposures, including but not limited to:

  • General liability: Covers bodily injury and personal claims arising from YMCA operations.
  • Abuse and molestation: Addresses misconduct, abuse and harassment by staff, volunteers and participants.
  • Workers’ compensation: Provides coverage for employees who incur injuries on the job.
  • Property insurance: Protects YMCA facilities and physical assets from risks like fire, theft and extreme weather events.
  • Auto insurance: Covers all YMCA-owned vehicles and hired or non-owned vehicles used for organizational purposes.
  • Directors and officers (D&O): Protects organization leaders from financial losses arising from alleged misconduct, mismanagement or breach of duty.
  • Cyber: Covers YMCA organizations against financial losses stemming from cyber-related incidents like ransomware or data breaches.
  • Crime insurance: Protects against criminal acts like theft, fraud and embezzlement, applying to participants, employees and external third parties.
  • Umbrella and excess liability: Provides a critical additional layer of protection above primary coverage limits.
  • Participant accident: Offers coverage for any participant injuries incurred during your organization’s programming.
  • International exposures: Protects your organization and its participants and employees against risk exposures to your operations outside of the United States.

Alliant offers additional specialized coverage solutions that can help to close critical gaps in your risk profile, including:

  • Fiduciary liability: Protects organization leaders from claims of mismanagement related to employee benefit plans, such as retirement plans.
  • Reputational risk coverage: Covers financial losses stemming from a high-profile crisis.
  • Civil unrest and terrorism coverage: Protects against financial losses resulting from incidents like strikes and riots. This policy is applicable to YMCA organizations that operate in high-risk regions.
  • Non-physical damage business income coverage: Provides a critical safety net against income loss resulting from non-property-related triggers.
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YMCA Risk Management Webinar Series

We invite you to join our YMCA Risk Management Webinar Series, a monthly discussion designed to provide valuable insights on critical risk management and insurance topics tailored to YMCA organizations. Each session will feature industry specialists who will discuss key challenges and solutions specific to today's YMCA organizations.

Register

Webinar Information

News & Resources 

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Insight

YMCA Management Webinar Series: Youth Protection Strategies, Insurance and Mission Impact

Welcome to the YMCA Management Webinar Series. The YMCA Management Webinar Series is designed to serve as a valuable resource for individual YMCAs and provide a strong forum for meaningful conversations on critical topics.
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Insight

YMCA Management Webinar Series: Understanding Insurance Policy Fundamentals

Participants will explore the core components found in nearly all insurance policies and how those components apply across general liability, automobile, workers’ compensation, umbrella, directors and officers, and property coverage.
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Insight

YMCA Management Webinar Series: Driving Better Results – Automobile Risk and Realities

The discussion examines why commercial automobile has become a critical exposure for YMCAs, how current market realities are shaping underwriting decisions, and what associations can do to reduce risk, protect their mission and improve outcomes.