This coverage protects against allegations of physical, sexual, or emotional abuse occurring during the organization’s activities or on its premises. It’s particularly important for organizations serving youth (camps, after-school programs, mentoring, faith-based youth groups), vulnerable adults (residential services, counseling), and certain residential/care contexts. Standard general liability policies often exclude or sub-limit these claims at $50K–$100K — far below realistic settlement and defense costs. Dedicated coverage at $1M+ is the right floor for most youth-serving organizations.