Human and Social Service organizations often provide care and other services to vulnerable clients, such as children, elderly adults and those with intellectual and developmental difficulties. These clients and agencies that serve them need to have insurance protection regarding damages from any form of abuse, not just sexual abuse or vicarious liability.

Our Abuse or Molestation coverage limits are provided separately from the Professional and Commercial General Liability coverage parts. This is because other insurance industry abuse coverage forms often reduce the amount of insurance limits available to pay for Professional or General Liability losses. In addition, our Abuse or Molestation form provides claim and legal defense expenses outside the coverage limits.

This feature is significant because abuse or molestation related claims may require the hiring of experts and specialized legal representation which can be very costly. Additional policy features include:

  • Broad Definition of Who is an Insured
  • Broad Definition of “Abuse”
  • Written as part of the SHS package policy
  • Defense Expense Available Outside Limits
  • Abuse or Molestation Limits range from $100K/$200K to $1MM/$3MM
  • No Mandatory Deductibles