NSM was appointed as the broker for a large provider of mental health and educational services to children, and uncovered an error that left the organization without coverage.



The organization’s previous broker moved their abuse and molestation coverage from a “claims made form” to an “occurrence form,” but failed to secure the necessary extended reporting period, or tail coverage. Consequently, they had no coverage for an abuse claim from several years prior.



NSM conducted a thorough policy analysis that discovered this issue, and corrected the oversight.


The Solution

Though that specific claim could not be covered, NSM ensured that the organization would have the full, necessary coverage in the future.