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Non Profit Abuse and Molestation Insurance

 

Claims against non-profits for abuse or molestation – they happen.

This is a sensitive subject, but it is one of which you must be aware.  There are different coverages options and policy types for this potential claim.  Some carriers only cover legal defense costs, while other may offer indemnification, meaning that they could pay if you lose a claim.  Remember, even if your non-profit does not work with children, adults can file claims as well.

Sample abuse claim: Perhaps your charity offers free haircuts and clothing to people in need so that they can go to a job interview.  On of the customers who comes to your event states that one of your employees or volunteers touched her inappropriately while helping her get dressed.  She gets a lawyer, sues you, and now you have to pay for your attorney fees, even if you win the case.

If you work with children, imagine the potential for claims.  A member of our non-profit team can go over the possibilities when reviewing a quote with you.

Abuse could mean different types of allegations

  • Mental Abuse
  • Physical Abuse
  • Humiliation or Shock
  • And more…

Not All Abuse -and Molestation Policies (or coverage forms) are the Same

While people often thing that the only difference between insurance policies is the price, this is not true — especially with unique coverages like this one. Our non profit team at Stratum Insurance Agency works hard to find you options to meet your coverage needs.

For example:

  • Some policies have strict rules as to the definition of abuse, while others have a broader definition.
  • Some policies may restrict the coverage to only those claims for abuse of a “sexual nature”, while others include mental and emotional distress.
  • One policy may not cover any claim that results from something that occurred prior to the policy period, while others do not.

Get a quote for abuse and molestation coverage

In most cases, we would work to quote your general liability, professional liability, and abuse liability coverage(s) together, although stand alone quotes may be available.  Quotes are available for over a hundred types of non-profits.