Pricing in the Boys & Girls clubs arena has remained steady over the past several years, with carriers offering enhanced coverage options to attract business, says James M. Henry, underwriting manager for Markel Insurance Co. in Glen Allen, Va. In 2010, Markel made upgrades to its long-standing partnership product with Boys & Girls Clubs of America (BGCA). The enhancements include more in the way of loss analysis and risk-management services.

BGCA sponsors an insurance program with Markel, and with the association's risk advisor, Frank Crystal & Co., to help its clubs control costs and obtain optimal coverage. The program includes GL, including molestation and abuse cover; property, boiler & machinery, and business interruption/extra expense; auto liability and physical damage; umbrella/excess liability; crime cover; and inland marine. Markel insures more than 250 BGCA organizations and thousands of other youth-related groups. 

Boys & Girls Clubs are seeing a new exposure in addition to the normal athletics-related risk and transportation exposures: bullying. That's one of BGCA's "more recently identified concerns," Henry says.