Protect your family with DiaMarc Underwriters, LLC

  Sexual Misconduct Insurance Coverage helps protect your businesses or organizations from the financial consequences of claims involving sexual misconduct, harassment, or abuse. It is designed to provide coverage in case an employee, volunteer, or representative of the organization is accused of inappropriate sexual behavior while acting within the scope of their duties. 

Here’s how it works in simpler terms:

• What It Covers: This insurance typically covers the costs associated with lawsuits or claims made against the organization or its employees, such as legal defense fees, settlements, or judgments. It can also cover investigations and the cost of crisis management or public relations efforts to protect the organization's reputation.
• Who Needs It: Businesses or organizations where employees or volunteers regularly interact with vulnerable individuals, such as schools, hospitals, childcare centers, or religious institutions, are often advised to have this coverage. Even companies without these specific risks may consider this coverage if there’s a concern about workplace harassment or misconduct.
• Limits of Coverage: Sexual misconduct insurance usually does not cover deliberate criminal actions, meaning if someone is found guilty of intentional misconduct, the insurance may not pay for their defense or any damages they owe. It also generally does not cover punitive damages, which are meant to punish the wrongdoer.
• Why It’s Important: Even if an accusation is unfounded, defending against such claims can be very expensive. Without this type of insurance, an organization could face significant financial strain due to legal costs, settlements, or damaged reputation.

Sexual misconduct insurance provides financial protection to organizations from the potentially devastating effects of sexual misconduct claims, ensuring they can handle legal battles or settlements without putting the entire business at risk.