Volunteer Allegation
A volunteer is accused of inappropriate conduct during a ministry, program, or youth activity.
You dedicate your organization to making a positive difference. We help protect it.
Sexual Misconduct & Molestation Liability Insurance helps schools, churches, camps, nonprofits, and youth-serving organizations prepare for one of today's most significant liability exposures while supporting safeguarding and risk management efforts.
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Experienced advisors who understand your unique risks
Specialized coverage for education, faith-based & nonprofit organizations
Local service and guidance you can count on
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Helps cover legal defense costs associated with allegations of sexual misconduct or molestation.
Provides resources and support to help you respond quickly and appropriately to claims.
Coverage for employees, volunteers, staff, and other individuals acting on behalf of your organization.
Helps protect your organization against claims brought by third parties, including participants and families.
Access to tools, training materials, and best practices to help reduce risk and promote a safe environment.
Access to crisis response resources to help manage reputational and operational challenges.
If your organization works with children, students, or vulnerable individuals, this coverage is an essential part of your risk management program.
A volunteer is accused of inappropriate conduct during a ministry, program, or youth activity.
An allegation arises years after an incident occurred, resulting in a claim against the organization.
An incident during a youth program or activity leads to a claim of misconduct or inappropriate behavior.
A complaint is made regarding inappropriate communication or behavior with a student.
Conduct thorough background checks on employees and volunteers.
Implement two-adult supervision for youth and vulnerable individuals.
Screen and train volunteers regularly and document eligibility.
Provide ongoing training on abuse prevention and awareness.
Establish clear procedures for reporting and responding to concerns.
Maintain up-to-date policies that promote a safe and respectful environment.
Insurance is an important safety net, but prevention and strong policies are the foundation of a safer organization.
It provides specialized coverage for legal defense fees, third-party claims, and crisis management resulting from allegations of abuse or misconduct.
Yes, it covers attorney fees and legal representation costs required to defend against allegations, regardless of outcome.
Yes, coverage extends to volunteers, employees, and staff members operating on behalf of the organization.
While not always legally mandated, it is often required by partners, licensing bodies, and facility leases due to standard policy exclusions.
Standard General Liability policies usually exclude abuse and molestation claims, whereas this specialized policy specifically covers those liabilities.
We're here to help you build a safer environment and the right insurance protection for your organization's future.
1-800-698-1222
Call or Text
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