Abuse and Molestion Optional Coverage

We are offering two options for this coverage.

Option A has a limit of $100,000 per occurance / $500,000 per event

Option B has a limit of $1,000,000 per occurance and per Event


This coverage covers sums that the insured becomes legally obligated to pay as damages arising out of molestation/abuse accusations. The insurance company will defend against suits seeking those damages. 

Exclusions are:

  • Any person who participated, directed, or knowling allowed abuse to occure
  • Any expenses associated with a criminal proceeding or investigation
  • Any liability assumed by you under contract or agreement (written or oral)
  • Any abuse that consists of a series of related acts if the first of such took place prior to the policy effective date
  • Any act commited by an employee or assistant who had previously commited similar acts of which the insured had prior knowledge
  • Sexual Harrasement
  • Sny suit against an insured by another insured