Insurance Question

[mimi]

I haven't heard of this clause. How would an insurance company protect you from this allegation? Pay for legal fees perhaps????? Anyone know, as I really curious now too.

[cfred]

This was something that had never occurred to me in the past. It was brought to my attention when I casually inquired about work through an agency. THEY insure workers for accusations of sexual abuse. Apparently it can be a concern, though I've never run across it in my career, nor do I know anyone who's had a problem with it. It certainly warrants more investigating. If the agencies can offer us protection, there must be a rider that can be added for private dayhomes.....i would think. Basically, she said that if someone with the agency is accused, the coverage would allow that person to defend themselves, legally speaking. However, I would think that even if a provider's name is cleared, that would be the end of their career in the field. Scary stuff.