What is Jigsaw?
Jigsaw Risk Management Information and Insurance is a Risk Purchasing Group (RPG).
We were formed in 2019, in a deteriorating sexual abuse and misconduct (SAM) liability insurance marketplace, to provide access to SAM insurance for independent school counselors in California. Independent counselors and therapists across the US have a contractual requirement to buy SAM coverage but SAM coverage can be difficult to obtain in California.
SAM insurance is now even harder to access but we can access coverage for any kind of organization, in any State.
What is an RPG?
‘RPG’ refers to a “Risk Purchasing Group” authorized and formed under the Federal Liability Risk Retention Act of 1986. During the insurance crisis of the 1980s, Congress passed legislation allowing certain industries to form groups for the purpose of obtaining insurance because many smaller industry participants could not obtain or afford coverage on their own.
Jigsaw accesses coverage for members who find it hard to obtain coverage because they are independent professionals who frequently – and sometimes always – spend unsupervised time with their school aged clients. Fitting into a school environment as an external counselor or therapist can be difficult. Fitting into the underwriting requirements of commercial insurers can also be difficult; that’s why we thought Jigsaw was an appropriate name.
What are the advantages of Jigsaw's coverage?
Jigsaw’s initial coverage was designed to comply with California School District contractual requirements for independent professional counselors to purchase $3,000,000 in sexual abuse liability insurance.
The coverage provides for defence against allegations of a failure to observe mandatory reporting requirements and defends members against civil claims for abuse.
The coverage automatically adds School Districts as additional insureds.
We also make the coverage easy to buy; it usually takes no more than a few minutes to apply for coverage.
We can also now cover a wider range of organizations. We can consider transportation, healthcare, education, religious, non-profit, and others.
If you would like to talk to us about any aspect of SAM risk, please email us at firstname.lastname@example.org.
Who provides the insurance coverage?
The coverage is underwritten by an A. M. Best ‘A’ rated carrier.
Does my operation have its own coverage?
Jigsaw coverage provides each organization with their own insurance, so coverage is not limited by other members’ claims.
Who else is insured under my policy?
If you are buying SAM to comply with a contractual requirement, you probably need to have the entity you are contracted to named as an additional insured.
Just let us know and we can usually add them.
How much coverage do I need?
Independent contractors to School Districts in California are required by their contracts with the School Districts to maintain $3,000,000 of sexual abuse liability insurance. We therefore only offer this limit.
What are the charges in addition to my premium?
In addition to the premium charged by the insurer, we add a policy issuance fee and surplus lines tax. There are commissions included in the premium for the various brokers involved in designing the insurance but we keep the premiums as low as possible by separately charging for the fees and taxes noted.
When should I notify a claim?
You should email us at email@example.com us immediately you become aware that you or any member of your company may be accused of committing sexual abuse, of failing to identify or report sexual abuse or any other allegation relating to child sexual abuse.
You should email us at firstname.lastname@example.org immediately you become aware that a claim or suit may be, is going to be or has been filed against you.
Do I need to notify Jigsaw Risk of anything other than a claim or possible claim?
You should notify us immediately you are, for any reason, prevented by law from attending a school site or dealing with school aged clients.
What if I have a complaint?
We take any complaint seriously and are committed to helping resolve complaints about us or the service you have received.
Usually, the best way to address any complaint is to raise the issue as soon as it comes up with the person you are dealing with.
Even if you don’t notice the issue right away, you can always get in touch with us at any time to voice your complaint. To contact us, please email us at email@example.com.
Please include details of who you are, your certificate number if applicable, and your complaint. Please provide as much information as possible, so we can help you as quickly as possible.
If you can also consider what solution you think is appropriate, that can also speed up the process of resolving your complaint.
How do I become a Jigsaw Risk member?
If you buy insurance from us, membership is included in the premium. In time, we hope to offer membership without the need to buy insurance – we will let you know when that happens.