SFUSD Insurance Requirements: A Comprehensive Guide for Vendors and Contractors
Learn more about SFUSD insurance requirements with the focus on SAM insurance.
Sexual Abuse and Molestation
Understanding SAM Insurance: Comprehensive Guide to Sexual Abuse and Molestation Coverage
Learn everything about SAM insurance, its coverage, benefits, and necessity for organizations working with vulnerable populations.
How Abuse and Molestation Exclusions Impact Insurance Coverage
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.
5 Risks Every School Has
…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
Preventing Child Sexual Abuse in Your Organization
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.
Creating a Child Sexual Abuse Prevention Program
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
Lowering the Risk of Sexual Harassment 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
California Lawmakers Approve School Planning For Abuse and Safety
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
The California state Assembly has approved two bills that would require school districts to make detailed plans for reporting child abuse and prepare for violent incidents on campus.
AB135 by Democratic Assemblywoman Joan Buchanan of Alamo requires school districts to write a child abuse reporting policy that reflects current law and inform staff about it. Buchanan says abuse was reported to administrators at a So. Cal. elementary school where a teacher was charged with 23 counts of lewd conduct with students but was never reported to police. It passed Monday on a 74-0 vote.Read More »California Lawmakers Approve School Planning For Abuse and Safety
Preparing your business for potential holiday hazards
Menorahs and Christmas trees light up Main Streets across America during the holidays, but there are risks associated with these decorations. Risk management professionals and insurance agents can help business owners understand how to keep their stores festive yet hazard free during the holidays.
The holidays usually bring several things to a small business – more foot traffic, celebratory decorations and additional staff to help with boosted sales. However, with added customers and distractions, slips and trips are never far away. So when getting into the holiday spirit, you should make safety a priority.Read More »Preparing your business for potential holiday hazards
Insurance for Personal Trainers and Fitness Studios from $150/yr.
Insurance for personal trainers and fitness studios is specifically designed to meet the unique insurance needs of Fitness Trainers, Group Fitness Instructors, Spinning Instructors, Dance Instructors, Martial Arts Teachers, Pilates Instructors, and many more categories of fitness instruction without any restriction of age or gender of your students. Abuse and Molestation – INCLUDED!
The Fitness and Wellness Insurance program for Fitness Studios covers many types of studios including Aerobics, Exercise, Spinning, Fitness Training, Strength Training, and Pilates Studios with equipment. It also covers activities such as weightlifting, swimming, saunas, tanning booths, sport courts and group exercise. Dance Studios are eligible under Performing Arts.
Coverage available for:Read More »Insurance for Personal Trainers and Fitness Studios from $150/yr.
Sexual Abuse Awareness
No one ever wants a child or client to be harmed. Sometimes, however, we can miss child safety keys and best practices. We suggest that employer will educate himself on effective, efficient, and inexpensive tools one can use to reduce the risk of sexual abuse in his company. In particular, we want to bring your attention to the following topics: The definition of sexual abuse Common errors and misconceptions related to sexual abuse and sexual abusers Abuser characteristics Grooming process (grooming children and gatekeepers) Common grooming behaviors Peer on peer abuse Impact on children – long and short term Reporting responsibilities –… Read More »Sexual Abuse Awareness