Sexual Misconduct & Molestation Liability

By:
On:
In: Insurance

  • Region select.
  • Home.
  • Products.
  • Professional Liability.
  • Liability for Sexual Misconduct and Molestation.

    • Offered by Cyber & Professional Lines Group.

    At TMHCC, unlike other insurance companies, we understand the significance of these risks and provide Sexual Misconduct and Molestation Liability (SMML) coverage for a wide variety of categories.

    Target classes

  • Tutoring Companies.
  • Bus Transportation.
  • Construction laborers on educational institution grounds.
  • Custodians employed at educational campuses.
  • Engineering Companies.
  • Vendors Providing Food Services in the Cafeteria.
  • Automotive Repair and Towing Companies.
  • Daycare Activities.
  • Airport Transportation.
  • Retail Stores.
  • IT Consultants.
  • Financial Advisors.
  • Manufacturing.

    • Highlights

  • Form can be expressed as defense exclusively, defense responsibility, or obligation to protect.
  • Endorsement provides coverage for physical abuse.
  • Coverage includes individuals who work as employees (part-time, seasonal, temporary) as well as volunteers.
  • Limits and deductible are applicable for each individual affected.
  • Coverage for previous actions is available.
  • An extended period for reporting is accessible.

    • Unlike other insurers, TMHCC recognizes the importance of knowing how these exposures, such as SMML liability, molestation, and sexual misconduct, offer a broad range of coverage. Unlike other insurers, TMHCC requires organizations and companies to carry insurance specifically excluding these exposures.

    Summary of coverage

    The Insurance Molestation and Misconduct Sexual provides coverage for allegations of sexual abuse, including molestation and misconduct, as well as failure to report to proper authorities, negligent supervision, inadequate training, insufficient investigation, and negligent employment concerning allegations of sexual maltreatment or mistreatment.

  • Maximum coverage: $1 million per individual / $2 million in total ($1 million / $2 million if stated in a written agreement).
  • Lowest premium: $5,000.
  • Lowest deductible: $5,000.

    • Your team

    Head office:

    2999 Oak Road, Suite 720.

    Walnut Creek, California 94597.

    Certain services and products are provided through non-admitted insurance carriers, and they are subject to certain conditions and limitations, exclusions, and restrictions. You should see your agent for more information regarding the available features, coverages, and products. State Guaranty Funds do not apply to these services and products.