Sexual Assault & Molestation (SAM)
In many industries, risk is not always obvious. Businesses that involve close interaction with clients, patients, or the public face exposures that are often not covered under standard policies.
Sexual assault and molestation insurance helps protect your business from allegations of misconduct, whether they are valid or not. These claims can lead to significant legal costs, reputational damage, and financial strain.
Many business owners assume general liability coverage will respond. In most cases, it does not.
What Sexual Assault and Molestation Insurance Covers
This coverage is designed to address a critical gap in traditional liability policies.
Coverage may include:
Legal defense costs
Settlements and judgments
Investigation expenses
Crisis management and reputation support
Third party allegations involving employees or representatives
Coverage can be structured as a standalone policy or added as an endorsement depending on your business needs.
Who Needs Sexual Assault and Molestation Coverage
Any business that involves close or private interaction should evaluate this exposure.
Common industries include:
Healthcare and allied health providers
Non emergency medical transportation providers
Hospice and home care services
Funeral homes and service providers
Fitness and wellness facilities
Educational and childcare organizations
Professional services with one on one client interaction
If your employees work in private settings, assist clients physically, or interact in sensitive environments, this coverage is worth reviewing.
Why This Coverage Matters
A single allegation can result in significant costs, even if no wrongdoing occurred.
General liability policies typically exclude these types of claims. Without proper coverage, businesses are often responsible for legal defense and settlement costs out of pocket.
The goal is not to create concern, but to ensure awareness. Understanding your exposure allows you to make informed decisions and protect your business proactively.
Our Approach
We take a consultative approach to insurance.
Instead of simply placing coverage, we help you understand your Total Cost of Risk. This includes identifying gaps, evaluating exposures, and aligning your coverage with how your business actually operates.
Our access to both national and regional carriers allows us to structure solutions that fit your industry, risk profile, and growth goals.
FAQs
Does general liability insurance cover sexual assault and molestation claims?
In most cases, general liability policies exclude claims related to sexual misconduct. A separate policy or endorsement is typically required.
Is SAM coverage only for certain industries?
Any business with close or private interaction with clients should evaluate sexual assault and molestation exposure.
Can false allegations still result in a claim?
Even unfounded claims can lead to costly legal defense and investigation expenses.
Is this coverage expensive?
Costs vary based on your industry, size, and exposure. In many cases, it is more affordable than expected compared to the potential cost of a claim.
Can this be added to an existing policy?
SAM coverage can often be added as an endorsement or structured as a standalone policy.
What SAM coverage limits should I consider?
SAM coverage limits depend on your risk level, industry, and contract requirements. We help you determine appropriate limits based on your exposure.