When your organization is responsible for someone else’s child, abuse and molestation coverage stops being optional — and it is the coverage most carriers decline to write. We place it.
This is the defining exposure of the sector, and the one a standard general liability policy specifically excludes.
Off-site programming moves children into vehicles and venues you do not control — the coverage needs to be in place before the season starts, not after a claim.
High turnover and volunteer help mean the people supervising children are not always on your payroll, which affects both liability and injury coverage.
Every organization is different — this is the usual starting point, not a fixed list.
Since 1986 we have placed coverage for the organizations that care for people across California — nonprofit and for-profit alike. That means reading the funding contract, the lease and the program description before we go to market, so the policy matches how you actually operate.
We also include free unlimited access to HR specialists, and we don’t charge a broker fee with most of our insurance programs.
Most organizations we insure do more than one thing. Tell us how yours actually runs and we’ll tell you what you need.
