Sexual Abuse & Molestation Insurance
Protecting your mission—and the people behind it
At NonProfit Insuror South, we understand that your organization’s greatest strength is its people—the staff, volunteers, and clients who make your mission possible.
That’s why we take abuse and molestation coverage seriously.
This protection isn’t optional in the human services world—it’s essential.
Even the most trusted organizations can face allegations of abuse or misconduct. Whether the claim is true or false, the financial and reputational cost can be devastating.
Abuse & Molestation coverage helps ensure your organization can respond, defend, and recover—without jeopardizing your mission.
Why your nonprofit needs this coverage
Many nonprofits and human service providers work directly with children, seniors, or vulnerable adults.
Your general liability policy may not cover claims of abuse or misconduct, leaving a dangerous gap in protection.
Even if your organization performs background checks, conducts training, and enforces policies, one accusation can trigger an expensive legal process. This coverage ensures your nonprofit can continue operating while responding responsibly.
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Allegations of physical, sexual, or emotional abuse by employees, volunteers, or contractors
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Negligent supervision or hiring claims
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Defense costs and settlements associated with covered incidents
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Third-party liability when allegations involve outside partners or programs
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Reputational harm and crisis response costs (depending on the carrier)
Who needs Abuse & Molestation insurance
Any organization that serves, supervises, or interacts with vulnerable individuals should carry this protection, including:
Board members and officers
Counseling & behavioral health providers
Residential & group homes
Faith-based organizations
Shelters & family service programs
Educational & mentoring nonprofits
Summer camps & recreational programs
Foster care or adoption support agencies
What’s included
Coverage can be tailored to your organization’s needs, and may include:
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Defense costs (even if allegations are unfounded)
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Indemnity payments for settlements or judgments
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Coverage for employees, volunteers, and board members
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Optional crisis response assistance for public relations and counseling
- Training resources to reduce risk and demonstrate compliance
Risk prevention: your first line of defense
These proactive measures not only help protect the people you serve—they can also improve your insurance eligibility and pricing. Insurance is only one piece of the protection puzzle.
NonProfit Insuror South helps clients develop strong abuse prevention and reporting programs, including:
Written abuse prevention policies
Staff & volunteer screening and background checks
Mandatory reporting procedures
Supervision and ratio guidelines
Documentation and incident reporting templates
Annual training resources
How NonProfit Insuror South helps
We specialize in guiding nonprofits through the complexities of human services insurance.
Our team will review your current policy, identify gaps, and design a plan that aligns with your programs, contracts, and funding requirements.
We work with carriers that understand human services and don’t shy away from this critical coverage.
You’ll get: