The claim that ends an organisation, and the one most often excluded.
Abuse and molestation cover responds to allegations of abuse by staff or volunteers, including the claim that the organisation failed to screen or supervise them.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What abuse and molestation businesses actually need.
Allegations against staff or volunteers
Claims arising from abuse by someone acting for the organisation.
Without it — General liability commonly excludes it outright, leaving the most severe claim uninsured.
Negligent hiring and supervision
The allegation that the organisation should have prevented it.
Without it — This is the count that survives even when the individual is not found liable.
Defence costs
Legal costs, which begin at the allegation rather than at a finding.
Without it — Defending an allegation alone can exceed a small operator’s reserves.
Where abuse and molestation shows up.
- Assisted Living & Residential Care
Nearly every general liability form excludes it by endorsement, so the claim most likely to close a facility is the one most often uninsured.
- Public Auto & Passenger Transport
Carrying passengers — particularly minors, elderly and disabled riders — is an allegation exposure that general liability excludes.
- Bus, Limo & Charter
Carrying passengers, particularly minors on school, church and youth work, is an exposure general liability commonly excludes.
- Non-Emergency Medical Transport
Transporting elderly, disabled and cognitively impaired passengers one-to-one is an allegation exposure with no witness, and general liability excludes it.
- Allied Health & Therapy Practices
Direct one-to-one care is an abuse allegation exposure, and general liability excludes it outright in most forms — while funders and districts require it by name.
- Regional Center Vendors
Services delivered one-to-one to people with developmental disabilities is the exposure the whole system is built around.
- Speech Therapy Practices
Districts require it by name from vendors with direct or virtual student contact, and general liability excludes it.
- Occupational Therapy Practices
Hands-on treatment delivered one-to-one, frequently to children or adults with disabilities, is the allegation exposure funders require you to cover.
- Physical Therapy Practices
One-to-one hands-on treatment in a private treatment room is an allegation exposure general liability excludes.
- Play & Behavioural Therapy
This is the coverage the class exists around, it is excluded by standard general liability, and every serious funder requires it.
- Chiropractic Practices
Hands-on treatment in a private room is an allegation exposure standard general liability excludes.
- Concierge & Private Duty Nursing
Care given alone and overnight to a sedated or medicated patient is an allegation exposure with no third witness, and general liability excludes it.
What abuse and molestation operators ask us.
Who needs this?
Anyone whose staff have unsupervised access to children, elderly people or vulnerable adults — residential and adult foster care, home health, childcare, schools, camps, youth sports, and many nonprofits. If your contracts or your state licence do not already require it, your funders often will.
Why is it usually a separate limit?
Because carriers control the exposure tightly. It is normally a sub-limit well below the general liability limit and frequently written on a claims-made basis even where the general liability is occurrence-based. Both differences matter and both are easy to miss when comparing quotes on price alone.