Abuse and molestation (A&M) coverage pays for your defense and any settlement when your business is accused of abuse or improper supervision by an employee, volunteer or contractor. Most general liability and professional liability policies exclude it, so businesses that serve children, seniors or vulnerable adults need it added by endorsement or written as a separate policy.
Start a quote or call 888-391-5981.
Who needs it
- Residential care homes (RCFEs, adult residential facilities and board-and-care homes)
- Daycares, preschools and after-school programs
- Dance studios, martial arts, gyms and youth sports
- Tutors, camps and enrichment programs that contract with schools
- Home care agencies, churches and nonprofits
What it covers
| Coverage | What it does |
|---|---|
| Defense costs | Attorneys and investigation, which can be expensive even when a claim is false. |
| Settlements and judgments | Up to the policy limit, commonly $1 million per claim and $2 million aggregate. |
| Negligent hiring and supervision | Claims that the business failed to screen or supervise staff. |
What carriers look for
- Background checks on staff and volunteers
- Written policies on supervision, such as no one-on-one time
- Abuse-prevention training
- How you report and handle complaints
Having these in place opens up more carriers and better pricing. We work with specialty markets that write this coverage for small operators.
Contract requirements
School districts, county agencies and venues often require A&M limits of $1 million to $2 million and want to be named as additional insured. Send us the insurance section of your contract and we’ll quote to it.
Frequently asked questions
Isn’t abuse covered by my general liability?
Usually not. Most general liability policies exclude abuse and molestation completely, or limit it to a small sublimit.
How much does abuse and molestation coverage cost?
It depends on the type of business, the number of people you serve, your staff screening and the limit. Small programs can often add it for a modest premium.
Does it cover the person accused?
It defends the business. Coverage for the individual who committed the act is excluded, but other staff and the organization are protected.