Specialized Abuse/Molestation Insurance from NAS Insurance Services
NAS Insurance Services offers a focused Abuse/Molestation Insurance program designed for organizations that have care, custody, or control of vulnerable people. Written on a non-admitted basis through Lloyd’s of London and other highly rated markets, the program delivers reimbursement coverage for legal expenses and loss tied to actual or alleged abuse or molestation. NAS positions this product to help agents place hard-to-place, high-sensitivity accounts that need tailored limits and defense handling options.
Ideal Accounts and Program Eligibility
This program targets organizations that routinely interact with minors or other at-risk populations. Typical classes we place include:
- Camps
- Churches
- Community theater and arts programs
- Mental health service providers
- Schools and tutoring services
- School bus companies
Example placements: you might have a faith-based summer camp or a private tutoring company with volunteer staff. Those operations rely on trusted interactions and can benefit from a program that specifically addresses abuse/molestation exposure.
Coverage Highlights and Advantages
Key features of NAS’s Abuse/Molestation program include:
- Reimbursement-based coverage for Legal Expenses and Loss
- Free selection of defense counsel (subject to conditions and underwriting approval)
- First-party coverage available
- Prior acts coverage available for Legal Expense only
- Waiver of co-insurance when panel counsel is selected (applies to legal and loss)
- Coverage can extend to directors, officers, trustees, employees, and volunteers when the entity is named in a suit
Program Guidelines and Underwriting Details
The program is written on a claims-made basis and is structured for high-risk or difficult-to-place accounts. Typical guidelines include:
- Limits: Standard placement up to $250,000 per claim / $500,000 aggregate for reimbursement of Legal Expense and Loss. Higher limits can be considered for Legal Expense only.
- Minimum Premium: $2,500
- Minimum Deductible: $2,500
Ineligible Accounts and Territories
This program excludes Catholic organizations and international travel or student exchange programs. While the program is available in most U.S. states, reimbursement for legal expenses is not available in New York. Agents should confirm state-specific availability during submission.
National Reach and Non-Admitted Expertise
NAS operates as a Managing General Underwriter and Excess & Surplus Lines Broker with access to top non-admitted markets. The program can be placed in most states, including CA, TX, FL, NY (with the limit noted above), and many others. NAS’s underwriters have experience handling sensitive abuse/molestation risks and can assist with complex placements and tailored terms.
Why Work With NAS Insurance Services?
NAS brings focused expertise for hard-to-place social services and youth-serving exposures. Agents benefit from flexible underwriting, access to Lloyd’s and other strong markets, and program features that address defense selection and first-party needs. For more information or to discuss a specific account, visit the NAS website or call 818-722-2330.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Accounts that have direct responsibility for vulnerable individuals—camps, churches, schools, tutoring programs, mental health providers, and similar operations—are the primary fits.
What limits and deductibles are available?
Standard reimbursement limits are up to $250,000 per claim / $500,000 aggregate, with a minimum deductible of $2,500. Higher limits may be available for Legal Expense only placements.
Is this program admitted or non-admitted?
This is a non-admitted program placed through Lloyd’s of London and other highly rated carriers.
Are there any states or classes that are excluded?
Yes—Catholic organizations and international exchange programs are ineligible. Also note that reimbursement for legal expenses is not available in New York.
Can clients select their own defense counsel?
Yes. Free selection of defense counsel is allowed subject to underwriting approval and the program conditions (including the minimum deductible).
Need help placing an account? Connect with a market specialist.