Frequently Asked Questions

As its name suggests, Improper Sexual Conduct (ISC) Liability coverage insures against claims of improper sexual conduct. General liability policies typically do not include this type of claim because ISC is based on an intentional malicious act. Some insurers claim this coverage is included in their general liability insurance because the policy does not specifically exclude improper sexual conduct, but relying on a general liability policy is a risk that may provide no coverage for employees and volunteers who may be unfairly accused. Unless this coverage is purchased as a separate policy specifically providing coverage for improper sexual conduct, you likely will not have any coverage for your employees or volunteers.