Highlighted Features of our Nonprofits’ OWN Improper Sexual Conduct and Physical Abuse Coverage:
(All included at no additional charge, unless noted)
- Separate limits from the General Liability Coverage Form
- Various limits available: aggregate limit to $3 million
- Umbrella limits to $10 million available
- Prior Acts Coverage available for an additional charge
- Broad definition of insured includes nonprofit organization as well as executive officers and directors, employees, volunteers, interns, and students-in-training
- Reimbursement of wages for an employee suspended from work with pay during an improper sexual conduct or physical abuse investigation limit $10,000
- 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