Sexual Misconduct Liability

Sexual Misconduct (Abuse & Molestation) Liability is a coverage that today’s schools can’t afford to go without. Though some commercial packages include this coverage, the limits may be insufficient if faced with a serious abuse claim. If a large A&M loss is sustained, many package carriers will cut the coverage off – or may offer lower, insufficient limits. In this case, the school should obtain a stand-alone Sexual Misconduct Liability policy to ensure sufficient limits are available to cover a large A&M claim.

Additionally, many school districts today require the educational consulting firms they contract with to carry a stand-alone Sexual Misconduct Liability policy with specific and often high limits that most package carriers will not offer. Other educational entities, such as tutoring centers renting a commercial space, may be subjected to the requirement by a landlord.

Educators can insure with a stand-alone SML policy:

  • Public School Districts
  • Charter and Private Schools
  • Colleges and Universities
  • Trade and Vocational Schools
  • Educational Consulting Firms
  • Tutoring Centers
  • Daycares and Preschools
  • Montessori Schools
  • Educator Associations

Additional policies we can offer for your educator client’s needs:

  • Commercial Packages for schools
  • Management Liability
  • Educators Legal Liability
  • Cyber Liability
  • Employed Lawyers Liability
  • Student Accident
  • Property
  • General Liability
  • EPLI
  • Educators Professional Liability for associations
  • Active Shooter
  • Business Owners Packages
  • Miscellaneous E&O
  • Umbrella/Excess

Coverages and exclusions differ by carrier and by state. Specific concerns can be discussed with an underwriter.

800.635.4742, Ext.8435