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Y's Find Insurance Solutions Here

Est. 1885, Crane  Agency's Independant Agents and Brokers provide cusomized Insurance solutions for today's YMCAs & YWCAs. We understand how to provide a flexible and comprehensive insurance program for risks across the United States.  As a National Full-Sevice Brokerage- Crane is contracted with major carriers to quote all Y's insurance needs.

* YMCA Insurance Program Key Benefits

Loss Control
From identifying potential hazards to safety training for your employees, your Crane Loss Control Consultant will team with you to control your risk exposure.  Aggressively identifying and managing the risks of your business results in fewer losses and fewer claims.  Over time, taking this approach means you will better control your insurance costs.

General Liability

Comprehensive General Liability – Limits to $1MM per occurrence/$3MM  aggregate 

 • YMCA program Premises Liability insurance

Personal Injury Liability

Employees & Volunteers as insureds

Coverage for childcare and camp activities

Abuse & Molestation coverage

Medical Payments coverage

Fundraising events included

YMCA  Property Insurance  program

Blanket limits with large in-house capacity

Special Causes of Loss coverage on buildings,

contents, business income and extra expense 

 • YMCA flood Water Insurance program

Water coverage including surface water &

• Backup of sewers and drains - $30K
 YMCA tools and equipment

  Equipment Breakdown coverage

Ordinance or Law coverage – included up to building limit 

 Spoilage coverage - $50K
Agreed Value available with signed statement of values/property appraisal 

 YMCA Bus, Van &  Automobile Insurance

Owned auto

Hired & Non-owned auto

Employees & Volunteers as insureds

Hired car physical damage

Umbrella/Excess Liability Insurance

Limits up to $15MM available

Directors & Officers Liability

Defense costs in addition to the limit of liability

Most favorable venue wording for punitive,

multiple or exemplary damages 


 YMCA  Insurance program extras

• Order of payments language with priority

placed on indemnifying Individual Insureds first



 YMCA  Professional Liability 

• Program Available on an Occurrence or Claims-Made form

Separate coverage part so no erosion of

General Liability aggregate limit

Coverage for teachers (day care operations)

& employed nurses

   YMCA students in training

 Covers students in training

Crime and Fidelity program

Employee Theft

Forgery or Alteration

Money & Securities


 YMCA  Crisis Management Enhancement Endorsement

$25,000 limit for crisis management emergency

response expenses incurred because of an incident

giving rise to a “crisis”


 YMCA  Loss Control insurance program Services

Product specific web-based loss control

solutions through   

  Free On-line interactive Defensive Driver

Training course and examination


 • Regular E-Flyer communications on current

Loss Control issues and Large Loss Lessons Learned


Strategic partnership with best in class vendor for discounted

background & motor vehicle record (MVR) checks

* Benefits vary between different insurance carriers / providers





Crane Insurance
* 400 Chesterfield Center # 300 * St. Louis, MO  63017

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