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Why Nonprofits Need Sexual Abuse & Molestation Insurance
Many nonprofits work closely with children, youth, seniors, individuals with disabilities, and other vulnerable populations. While these organizations strive to create safe environments, allegations of abuse or molestation can still occur. Even unfounded claims can result in costly legal expenses and significant reputational damage. Sexual Abuse & Molestation (SAM) insurance helps protect nonprofits against claims alleging abuse, molestation, misconduct, or negligent supervision by employees, volunteers, or other covered individuals. This coverage can help pay for legal defense costs, settlements, and judgments, subject to policy terms and conditions. Organizations that commonly purchase SAM insurance include youth programs, mentoring organizations, camps, after-school… Read More »Why Nonprofits Need Sexual Abuse & Molestation Insurance
The Truth About SAM Endorsements vs Standalone Policies
Not all SAM coverage is created equal. Learn the key differences between endorsements and standalone policies, spot hidden exclusions, and use a checklist to protect your organization from costly gaps.
Abuse and Molestation Coverage Limitations You Must Know
Currently, there are just a few insurance companies that offer SAM insurance in the U.S. Oftentimes, the coverage can be expensive and only provide smaller limits, such as up to $1M each occurrence / $1M annual aggregate. Due to the large number of SAM claims, your readiness to pay for SAM insurance is not enough. You must also qualify by having tools and controls in place (e.g., no one-on-one policy, no closed-door policy, background checks, a written and formal SAM incident reporting and investigation policy, and more). What you may not know is that some insurance companies also require that… Read More »Abuse and Molestation Coverage Limitations You Must Know
California Insurers Add New Fee After FAIR Plan Assessment Surcharge
After the 2025 wildfires, California insurers are adding a surcharge to property policies to recover FAIR Plan costs. Travelers will start charging 1% extra on new and renewed policies in 2026.
What is SAM Insurance? Sexual Abuse & Molestation Coverage
Discover what SAM insurance is, how it protects against abuse claims, costs, and why clear SAM coverage is essential for your organization.
New Wage Transparency Laws and Insurance. What Employers Must Know
Wage transparency laws are expanding in 2025, requiring employers to disclose pay ranges. These changes bring legal risks and insurance concerns, making proactive compliance and coverage review more important than ever.
How to Navigate Insurance Challenges for School Districts in 2025
Educational institutions face evolving risks across property, casualty and cyber liability. Learn how to school districts should be covered for casulty, property, cyber, and SAM insurance.
Earthquake Insurance Isn’t Enough: Why You Need Earth Movement Coverage
Earthquake insurance only covers ground shaking, but many disasters like mudslides and sinkholes are excluded. Learn why earth movement coverage offers broader protection and how to guide clients toward better insurance decisions.