Sexual abuse and molestation insurance coverage are vital for any charter school.  A proper policy will protect your school by providing coverage for:

• Negligent employment
• Retention
• Supervision
• Investigation
• Reporting
• Failing to protect someone from sexual abuse

A proper policy should cover your school for wrongful acts performed by:

• Sexual abuse perpetrated by a student
• Employee
• Officer or director
• Business invitee
• Volunteer or representative
• Agent for whose conduct the school is responsible
• Even school volunteer workers

Some policies will even include a wrongfully accused defense reimbursement coverage endorsement that provides reimbursement of incurred necessary and reasonable defense expenses for a “wrongfully accused person” after a final legal finding of “not liable” in a civil trial, a finding of “not guilty” in a criminal trial, or a “dismissal of prejudice” of all charges or allegations of sexual abuse or molestation in a criminal charge.

To find out more about this important insurance coverage and how it can protect your charter, please contact our office to find out more.