Why Abuse & Molestation Should Be Purchased By Nonprofit, Childcare, Social and Human Services

Why have Abuse and Molestation Coverage?

Abuse and Molestation coverage is a must for any organization that involves children, the elderly or other protected classes such as the developmentally disabled. It seems odd to think that your company would need this coverage; after all, you know that you and your employees would never harm a child. However, in most cases, it is your word against the claimants word. These lawsuits are extremely costly and time-consuming. The worst part is that these claims can be completely meritless and can leave your organization with hefty defense costs and settlements if you do not carry proper coverage.

Who should obtain Abuse and Molestation Coverage?

Any organization that’s operations cross paths with individuals that could be potentially victimized by abusive behavior should purchase this coverage. This not only includes churches and childcare organizations, but any nonprofit or human service organization that holds events with children. The cost of  insurance is well worth the investment since even one claim could impede on your company’s services or even close down your organization for good. This coverage is often packaged with General Liability in the form of a Business Owners Package (BOP) or Commercial Package Policy

Obtain an Abuse and Molestation quote for your nonprofit, childcare, social or human services today!