Highlighted Features of our Nonprofits’ OWN Improper Sexual Conduct and Physical Abuse Coverage:
(All included at no additional charge, unless noted)
- No Deductible
- Separate Limits from the General Liability
- Typical Limit $1 million: Aggregate Limits to $3 million and Umbrella Limits to $10 million available
- Lower limits available
- Superior Event Trigger Coverage Form, not Claims-Made
- Prior Acts Coverage available for an additional charge
- Broad definition of insured includes the nonprofit itself 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 investigation. Limit $10,000
- Civil defense of alleged perpetrator until he or she is convicted of a criminal offense involving sexual misconduct
- Coverage extends to client vs. client allegations