Client: A Los Angeles-area dance instructor starting a business teaching in schools · Coverage: Abuse & Molestation Liability + General Liability · Status: Bound
The problem
School contract work required abuse and molestation liability on top of general liability. This is a hard-to-place line with very few markets, and the first quote came in high.
How Pierce helped
- Obtained competing A&M quotes from two specialty markets (Lloyd's syndicates) through a professional-lines wholesaler
- Negotiated the wholesaler's fee down to keep the program affordable for a new business
- Walked the client through underwriting requirements (background checks, safeguarding procedures, contract limits)
- Placed the general liability alongside it
The result
Abuse & molestation liability was bound with Certain Underwriters at Lloyd's for a 02/26/2026 to 02/26/2027 term, and the binder and COI were delivered.
Why it worked
Using a specialty wholesaler with access to the few markets for this coverage, and negotiating the fees, made a required line affordable for a new business.
Related coverage
Dance Studio Insurance · Abuse & Molestation Insurance · General Liability Insurance · Request a Certificate of Insurance
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Client names and identifying details are withheld for privacy. This story is based on an actual account handled by our agency, as documented in our files. Coverage, pricing and results for your business depend on your own details.