What We Cover

Abuse & Molestation Liability Insurance

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.

What It Covers

  • 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.

Illustrative only — not a specific client case.

Who Needs This

Organizations we place
this for.

Group Homes

Child Care & After School

Shelters & Transitional Housing

Churches & Religious Organizations

Questions

Questions we
get asked.

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.
Yes — our policies can be designed to include coverage for actions by volunteers, ensuring comprehensive protection.
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.