Most General Liability policies exclude Abuse and Molestation coverage. Various specialty programs provide Abuse & Molestation as part of the General Liability policy. Coverage can be written on an Occurrence or Claims made basis and most insurance carriers will require employment screening i.e. federal fingerprint, pre-employment background checks, etc. Abuse & Molestation coverage is written in a variety of ways including the following:
• Sublimit-Abuse & Molestation coverage is provided as a sublimit to the policy. Sublimit may include defense coverage only.
• No Exclusion under General Liability- If there is no exclusion for Abuse & Molestation, it may be considered a covered liability exposure.
• Deductible may apply to Abuse & Molestation Coverage Form
There is no “standard” coverage form for Abuse & Molestation coverage. Therefore it is important that you review the coverage to determine if it fits your business needs.