What is abuse and molestation coverage and why does a Georgia nonprofit need it?

Georgia nonprofits running programs with minors or vulnerable adults (youth sports, after-school programs, mentoring, senior services, developmental disability programs) face abuse and molestation exposure that standard GL explicitly excludes. Abuse and molestation coverage pays for legal defense and damages in sexual abuse, physical abuse, or emotional abuse claims. Philadelphia Insurance is the specialty leader for Georgia nonprofit abuse and molestation coverage. This coverage also typically includes risk management resources, background check requirements, and training materials. For any Georgia nonprofit with direct service contact with children, this is non-negotiable coverage.