Protect your nonprofit from allegations of sexual or physical abuse.
Brokers understand the need to protect vulnerable populations. NIA’s Improper Sexual Conduct and Physical Abuse (ISCPA) coverage provides nonprofits with reliable, enhanced protection — at a time when this coverage is hard to find.
Unlike commercial carriers, NIA underwrites ISCPA by the individual risk, and does not exclude by class.
Beyond standard Sexual Abuse and Molestation (SAM), NIA further protects nonprofits by including physical abuse coverage as well.
Note: NIA’s Commercial General Liability is required if you want to purchase this coverage.
Insured by NIA:
Covering House
Saint Louis, MO
Enhanced features of NIA’s Improper Sexual Conduct and Physical Abuse Liability coverage.
Summary of key features only. Actual policy language may differ.
- Separate limits from the General Liability Coverage form
- Various limits available: Aggregate limit to $3 million
- Umbrella limits up to $2 million may be available
- Prior Acts Coverage is available for an additional charge
- Broad definition of insured includes the nonprofit organization as well as executive officers and directors, employees, volunteers, interns, and students-in-training
- Reimbursement of wages up to $10,000 for an employee suspended from work with pay during an improper sexual conduct or physical abuse investigation limit
- Civil defense of alleged perpetrator until he or she is convicted of a criminal offense involving sexual misconduct or physical abuse
- Coverage extends to client vs. client allegations
- Includes coverage for emotional distress arising out of sexual misconduct or physical abuse
NIA has offered ISCPA for more than 30 years, and continues to offer ISCPA coverage even though very few commercial carriers are willing to write this exposure.
NIA underwrites each account individually and offers terms and limits based on exposures and prior experience. ISCPA is available both on a claims-made and event trigger form.
Coverage checklist
This PDF allows you to print and compare coverage features with your clients.
Policy forms
Available for appointed brokers only on the NIA Broker Portal.
From the Claims files:
Here are a few examples of how NIA’s Improper Sexual Conduct and Physical Abuse liability coverage has helped nonprofits.
A client of the nonprofit’s safe harbor house was sexually assaulted by one of the nonprofit’s part-time gardeners, who had a mild mental illness.
Claim File: A child placed in the daycare center was molested by the teenage grandson of the daycare contractor.
A student at a school for the disabled began acting out and needed to be physically restrained. It was subsequently learned that the teacher had not correctly followed take-down procedures.
List of coverages:
Here’s the menu of NIA’s nonprofit insurance offerings.
Note: NIA’s Commercial General Liability coverage is required if you want to purchase any other coverages from NIA.
Coverage for a wide range of negligent acts which result in bodily injury, property damage, personal injury, or advertising injury. Liquor liability included at no extra fee.
Coverage for nonprofit employees, volunteers, and the organization for allegations of sexual and/or physical abuse. Event trigger and claims-made available.
Coverage for employees, volunteers, interns, students-in-training, and independent contractors for damages resulting from errors and omissions in the provision of certain professional services.
Board & Executive is NIA’s brand name for a group of coverages that provide protection for boards of directors and executives. Include options for Directors and Officers (D&O), Fiduciary Liability, and EPLI.
Coverage for vehicle fleets of all sizes, driven by employees or volunteers. Can include personal vehicles that are being used for nonprofit work.
Coverage for the physical assets a nonprofit owns or leases — such as buildings, office equipment, computers, furniture, etc. Generous, modified BOP, includes business income and extra expense.
Limited coverage for injury to a volunteer or participant (depending on the coverage) on a no-fault basis. May apply prior to (or in excess of) an individual’s health insurance policy.
While a $1 million limit works for most claims, umbrella liability provides the excess coverage some nonprofits may need.