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Sexual Abuse and Molestation

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

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

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