Specialized Abuse/Molestation Insurance from NAS Insurance Services
NAS Insurance Services offers a niche Abuse/Molestation Insurance program designed for organizations responsible for the care, custody, or control of vulnerable individuals. This program provides essential reimbursement coverage for legal expenses and losses associated with actual or alleged abuse or molestation incidents. Offered on a non-admitted basis through top-rated carriers like Lloyd’s of London, this solution helps protect your clients from one of the most difficult and sensitive exposures they may face.
Ideal Accounts and Program Eligibility
This program is ideal for organizations serving minors or other at-risk populations. Eligible classes include, but are not limited to:
- Camps
- Churches
- Community Theater/Arts Programs
- Mental Health Services
- Schools and Tutoring Services
- School Bus Companies
You might have a client operating a faith-based summer camp or a private tutoring service—both rely on trusted interactions between staff and vulnerable individuals. This program can help address the specific risks these types of operations face.
Coverage Highlights and Features
NAS’s Abuse/Molestation Insurance includes several valuable features to help your clients manage risk and defend their organization in the face of allegations:
- Reimbursement-based coverage for Legal Expenses and Loss
- Free selection of defense counsel (with certain conditions)
- First-party coverage
- Prior acts coverage available for Legal Expense only
- Waiver of co-insurance when panel counsel is selected (applies to legal and loss)
- Coverage extends to directors, officers, trustees, employees, and volunteers when the entity is also named in a suit
Program Guidelines and Underwriting Details
NAS’s program is offered on a claims-made basis and is structured to meet the needs of high-risk, hard-to-place accounts with competitive pricing and flexible features:
- Limits: Up to $250,000 per claim / $500,000 aggregate for reimbursement of Legal Expense and Loss (higher limits available for Legal Expense only)
- Minimum Premium: $2,500
- Minimum Deductible: $2,500
Ineligible Accounts and Territories
This program is not available for Catholic organizations or international travel/student exchange programs. While coverage is available in most U.S. states, please note that reimbursement for legal expenses is not available in New York.
National Reach and Non-Admitted Expertise
NAS Insurance Services operates as a Managing General Underwriter and Excess & Surplus Lines Broker with access to top-tier non-admitted markets. This program is available in most U.S. states, including CA, TX, FL, NY (with limitations), and many more. By working with NAS, you gain access to experienced underwriters who understand the sensitive nature of abuse/molestation risks and can help you navigate complex placements.
Why Partner With NAS Insurance Services?
NAS has a long-standing reputation for offering tailored solutions for hard-to-place risks. Their Abuse/Molestation Insurance program reflects a commitment to serving agents and brokers who support clients with high-risk exposure. With flexible underwriting, solid carrier backing, and a focus on service, NAS is a reliable partner for this critical line of coverage.
To learn more about this program or other specialty products from NAS Insurance Services, visit the NAS website or call 818-722-2330.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is suited for organizations that have clients under their care, such as camps, churches, mental health services, schools, and tutoring companies.
What limits and deductibles are available?
Standard limits are up to $250,000 per claim and $500,000 aggregate, with a minimum deductible of $2,500. Higher limits may be available for legal expense coverage.
Is this program admitted or non-admitted?
This is a non-admitted program, written 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. Legal expense coverage is not available in New York.
Can clients select their own defense counsel?
Yes, free selection of defense counsel is allowed, subject to a $2,500 deductible and underwriting approval.
Need help placing an account? Connect with a market specialist.