In today’s heightened awareness environment, non-profits must be proactive in ensuring the safety and well-being of those they serve. This is the coverage most carriers decline to write — and we place it.
Claims arising from alleged abuse, molestation, or misconduct by an employee, volunteer, or anyone representing your organization
Legal defense costs, so your nonprofit is properly represented and protected
Some policies extend to crisis counseling services for victims
What It Doesn’t Cover
Most standard General Liability policies exclude this entirely — it must be added separately or through a specialty program
Reputation/PR crisis management is a support service, not a guaranteed policy benefit — confirm what’s included
Why Baker Romero
Specialists, not generalists.
Sensitivity and Expertise
An approach rooted in empathy, discretion and proficiency
Comprehensive Analysis
We pinpoint areas of potential vulnerability in your operations
Affordable, Tailored Solutions
High-quality protection at competitive rates
Responsive Support
Always available to guide, support and address concerns
How It Plays Out
An illustrative example.
A family alleged a staff member acted inappropriately toward a child at a youth program. The organization’s Abuse & Molestation policy covered the legal defense and investigation costs while the claim was resolved — costs a standard General Liability policy would have excluded.
General liability typically covers physical injuries or property damage. Abuse & Molestation Liability specifically addresses claims related to misconduct, providing a targeted shield against such allegations.
Insurance provides a safety net, but proactive measures — thorough background checks, regular training and strict supervision protocols — are essential to minimizing risk.
Related Coverages
Coverages that often go with this one.
Management Liability
General Liability
Volunteer Accident
Let’s find the right fit.
Tell us how your organization actually runs and we’ll tell you what you need — or call and ask for Lillian.