Sexual Abuse and Molestation Liability Insurance

We offer sexual abuse and molestation liability insurance, also called sexual misconduct and molestation liability or sexual molestation liability insurance, to most types of organizations. Sexual abuse and molestation insurance is generally designed to protect an organization, including its owners, executives and employees, against claims made by victims of actual or alleged abuse, molestation, mistreatment or maltreatment of a sexual nature.

The coverage offered under sexual abuse and molestation insurance policies is typically limited to civil, judicial, administrative, or arbitration proceeding proceedings and does not extend to criminal proceedings. Sexual abuse and molestation liability insurance policies also may not automatically extend to wrongful acts committed by volunteers or independent contractors. Organizations that rely on volunteers or independent contractors should therefore specifically request that the coverage be extended to include their exposure.

Why should organizations purchase sexual abuse and molestation liability insurance?

A claim of sexual abuse made against an organization can create a difficult and stressful situation for both the victim and the organization. The victim may want the claim to be quickly resolved while the organization has a duty to perform an investigation of the matter. The process of investigating the claim could lead to a public relations crisis if the organization is portrayed as being insensitive to the victim and slow in its response. The financial and public image cost to an organization can be substantial, even if a claim is found to be groundless.

Purchasing sexual abuse and molestation liability insurance may help alleviate this situation by having the insurance company handle the claim. This way, the organization can step back from the claim process and have professionals handle the claim review and possible litigation. Also, the organization's balance sheet will be protected by having the award or settlement and legal costs, which are covered under the insurance policy, paid by the insurance company.

Organizations may be able to obtain sexual abuse and molestation liability coverage under their commercial general liability insurance policy, however, such coverage may only offer limited protection. We provide standalone sexual abuse and molestation liability coverage from highly rated insurance companies.

What type of organization can you provide sexual abuse and molestation liability insurance for?

We have access to several insurance companies that offer sexual abuse and molestation liability insurance. Insurance companies have different risk appetites but can generally provide coverage for the following types of organizations:

Some risks that are more difficult to place include foster care agencies, adoption agencies, massage therapists, and dating agencies. Give us a call if you need sexual abuse and molestation insurance and your organization type does not fit in the above list.

What type of policy form is sexual abuse and molestation liability insurance typically written on?

Sexual abuse and molestation insurance is available as a standalone policy, which is usually written on a claims made basis. The coverage is also available as part of a commercial general liability insurance policy, which is available on both an occurrence or a claims made basis.

A claims made sexual abuse and molestation insurance policy generally provides coverage for claims that are reported during the policy year based on a wrongful act that took place on or after the retroactive date. This means that under a claims made policy form, it is the current policy, and not a prior policy, that responds to a covered claim.

Under an occurrence policy form, it is the policy that was in effect when the wrongful act took place that responds to a covered claim, even if the claim is reported after the policy period has expired.

Give us a call to discuss your sexual abuse and molestation liability insurance needs.

We operate in the following states: Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Maryland, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Utah, Vermont, Washington, Wisconsin, Wyoming