Abuse and molestation coverage is one of the most sensitive and most important components of an insurance program for licensed childcare organizations. In many cases, licensing authorities and funding agreements require specific limits, wording, and conditions related to this coverage.
This coverage is intended to:
- Protect the organization in the event of allegations
- Respond to legal defense costs, even when claims are unfounded
- Meet regulatory, licensing, and contractual requirements
- Support the long-term stability and sustainability of the organization
Understanding how abuse and molestation coverage works, and ensuring it is properly structured, is essential for childcare operators at every level.
Equally important is having a comprehensive Abuse Prevention Protocol in place. Insurers typically require documented prevention policies as a condition of providing coverage. An effective protocol goes beyond a basic duty-to-report requirement and focuses on education, awareness, and proactive risk management.
To support childcare organizations in this area, we have developed a 13-minute webinar designed to help early childhood education centres and their staff understand the importance of a strong, practical abuse prevention protocol.
👉 Learn more and access the webinar here:
https://magenta-ins.ca/abusepreventionwebinar/
