Title: Coverage Insights: Addressing Abuse and Molestation Liability through Insurance - MJ Insurance
Headings: Coverage Insights: Addressing Abuse and Molestation Liability through Insurance
Coverage Insights: Addressing Abuse and Molestation Liability through Insurance
What Are the Risks?
Gaps in Traditional Coverage
Abuse and Molestation Insurance
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Content: Coverage Insights: Addressing Abuse and Molestation Liability through Insurance - MJ Insurance
Coverage Insights: Addressing Abuse and Molestation Liability through Insurance
Posted on September 10, 2019 by Carol Scully in Insurance Resources, Risk Management
website maker The possibility of a costly abuse claim arising is a very real threat for organizations that provide care or services to vulnerable populations, including children, the disabled and the elderly. Abuse can take a variety of forms as it can be physical, emotional, sexual or even financial in nature. Year after year, sports associations, day cares, schools, camps, churches and other charitable organizations face the staggering financial cost of civil judgments due to the abusive conduct of their employees or volunteers. While organizations can mitigate their exposure to incidents of abuse through proper risk management, no organization is ever immune to abuse claims. With this in mind, it is imperative for organizations to understand what role insurance can play in relation to liability arising from actual or alleged abuse. What Are the Risks? In recent years, organizations in certain industries, especially the religious and education sectors, have been propelled into the spotlight because of lawsuits stemming from allegations of sexual misconduct or abuse toward minors. Sexual misconduct, molestation and abuse are serious liability issues for any business, but certain organizations are especially at risk if there is frequent, unsupervised interaction between children and adults.