Abuse/Molestation Legal Expense and Loss Reimbursement Insurance

Eligibility:

Organizations with clients under their care, custody or control including, but not limited to, the following:

• Camps
• Nursing Homes
• Churches
• Schools
• Community Theater/Arts Programs
• School Bus Companies
• Mental Health Services
• Tutoring Services

Abuse/Molestation coverage also extends to individuals, groups and businesses that sponsor events on their premises, such as:

• Homeowner associations
• Property managers
• Land owners

Limits Available:

• Up to $250,000 each claim/$500,000 aggregate for reimbursement of Legal Expense and Loss (higher limits available for reimbursement of Legal Expense only).

Special Features:

• Free selection of defense counsel
• First party coverage
• Prior acts coverage available for Legal Expense coverage only
• Waiver of co-insurance upon selection of panel counsel (available for legal and loss)
• Coverage for directors, trustees, officers or other employees or volunteers (when entity is also named as a party defendant)

Minimum Premium: $2,500

Minimum Deductible: $2,500

Ineligible Classes: Catholic Organizations, International Travel/Student Exchange Programs

Ineligible Territories: Available in all states (Note: legal expenses is ineligible in the state of New York)