Make sure defense coverage is outside of (in addition to) the coverage limit.
Customer
- Any organization with vulnerable individuals in their care, custody, or control.
- Employees and volunteers
Coverage
- Legal defense
- Settlement (including judgment)
Cost Factors
A flat charge based upon:
- Type of entity
- Number & age of people being cared for
Claim Examples
- Defends against any sexual abuse claim made while the organization is in the care, custody or control of individuals at risk.
Coverage includes the actual, alleged, or threatened abuse, molestation or exploitation by the insured. The coverage includes compensation for mental anguish or emotional distress the victim may have experienced. Defense coverage generally ends for the alleged perpetrator once the individual(s) is confirmed to be guilty.
