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.
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
Discover what SAM insurance is, how it protects against abuse claims, costs, and why clear SAM coverage is essential for your organization.
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.
Learn more about SFUSD insurance requirements with the focus on SAM insurance.
Learn everything about SAM insurance, its coverage, benefits, and necessity for organizations working with vulnerable populations.
Because the term “abuse” is open to interpretation, alleged acts of abuse can happen to anyone, anywhere, creating risk exposures for all types of organizations and individuals. This article explains how exclusions to liability policies may limit your coverage in the event allegations are made against you.
…and how to lower it.
1. Harassment and Bullying Spark More Lawsuits
All school personnel should receive misconduct alertness training so they can spot the signs of abuse and intervene early.
Anonymous reporting tools can also help drive earlier intervention.
2. Title IX Expansion Increases Due Process Liability.
Title IX is a law that was meant to bar discrimination based on sex in educational program activities and athletics that received Federal financial assistance.
Higher ed institutions should have a Title IX adviser on staff who understands the law and can advise schools on the best course of action to take when a complaint is filed.Read More »5 Risks Every School Has
UPDATE 03/08/2022: as of now we can only offer abuse and molestation coverage for the following professions and services: Vocal Coach, Tutor, Computer Lessons, Adult Education, Yoga Instructor, Umpires, Referees and Other Sports Officials, Sports Coach, Personal Trainer, Dance Instructor, Fitness Instructor, Golf Instructor, and Indoor Cycling Instructor all have Abuse and Molestation Coverage.
There have been many alarming stories in the media about sexual abuse of children in athletic organizations, religious organizations, and schools. Organizations have a responsibility to protect the children they support from a sexual perpetrator. Beyond the moral responsibility, some organizations, such as youth sports organizations, are required by law to take specific steps to prevent child sexual abuse. Given the trust-based nature of this crime, it can be very difficult to detect dangerous behavior(s) until it is too late. Among the cases of child sexual abuse reported to law enforcement, 93% involve a perpetrator that the child knows and trusts, such as a relative, care provider, family friend, coach, student leader, or ministry volunteer. Taking additional, cost-effective prevention measures that increase your organization’s barriers to this crime remains in the best interests of the children you support.
It is important for child-serving organizations to have a comprehensive child abuse prevention program in place. Key elements of an effective child sexual abuse prevention program include:Read More »Preventing Child Sexual Abuse in Your Organization
UPDATE 08/30/2022: As of today we offer abuse and molestation coverage to all professions and services. Follow the link and answer only 2 questions to receive your accurate premium indication: Get Instant Abuse Insurance Indication Now
Allegations of sexual harassment have made headlines across virtually all areas of society: churches, entertainment, politics, businesses, non-profits, sports, and education. In October 2017, the #metoo hashtag was used by more than 4.7 million people on Facebook during the first 24 hours to disclose stories of harassment and abuse. Time magazine even named “The Silence Breakers” as its 2017 Person of the Year, recognizing those who came forward with their stories to help spark a nationwide movement to break the silence. The movement has resulted in countless executives being fired, public figures disgraced, and even criminal charges.
While the details of the sexual harassment allegations being brought to light may vary, the extent of sexual harassment in the workplace is significant. In a November 2017 poll by Quinnipiac University, 60% of women reported they had experienced sexual harassment, with 69% of those incidents taking place at work. Men have also been victims, with 17% of sexual harassment claims filed with the Equal Employment Opportunity Commission (EEOC) coming from men.
Four Steps to Reduce Risk
How can an organization lower the risk of sexual harassment in their workplace? PHLY recommends taking the following steps:Read More »Lowering the Risk of Sexual Harassment in Your Organization