Improper Sexual Conduct and Physical Abuse Liability

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.

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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.

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.

Commercial General Liability

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.

Improper Sexual Conduct and Physical Abuse Liability

Coverage for nonprofit employees, volunteers, and the organization for allegations of sexual and/or physical abuse. Event trigger and claims-made available.

Social Service Professional Liability

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.

Directors and Officers Liability (D&O)

D&O, fiduciary, and employment practices (EPLI) coverage for the organization and its directors and officers, employees, and volunteers for allegations of wrongful acts. Affordable flat-rate D&O without EPLI for nonprofits without employees.

Business Auto Liability and Physical Damage

Coverage for vehicle fleets of all sizes, driven by employees or volunteers. Can include personal vehicles that are being used for nonprofit work.

Businessowners Property

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.

Participant/Volunteer Accident Coverage

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.

Umbrella Liability

While a $1 million limit works for most claims, umbrella liability provides the excess coverage some nonprofits may need.

Insurance Brokers: 

Learn more about working with NIA, how to become an NIA appointed broker, or how to submit 501(c)(3) business.