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Sexual Misconduct and Molestation Liability

Minimum Premium

As companies and organizations are being required to carry limits of sexual misconduct and molestation insurance, insurers specifically exclude these exposures.

Sexual Misconduct and Molestation Insurance is an expansion of NAS’ abuse and molestation facility, designed to assist these entities in fulfilling their insurance needs. 

This standalone product gives the named insured entity, its employees, including volunteers, part time, seasonal and temporary employees, protection against allegations of sexual misconduct and molestation.

Brian Alva
Vice President
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Kareen Boyadjian
AVP, Specialty Underwriting
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Limits up to:

Up to $2,000,000 each claim/$2,000,000 aggregate

Higher limits available upon request

Minimum Premium: $5,000

Minimum Deducitble: $5,000

  • Covers allegations of actual or alleged sexual abuse, molestation, mistreatment or maltreatment; and negligent employment, investigation, supervision, training or retention of, or failure to report to proper authorities, a person who committed any act of abuse, molestation, mistreatment or maltreatment of a sexual nature.
  • Duty to defend covered claims; duty to pay Loss the Insured is obligated to pay
  • Limits and deductible apply per Victim
  • Prior acts coverage available
  • Extended reporting period is available
  • Broad definition of Insured Persons includes executive officers, directors, trustees, employees, contractors, coaches and volunteers
  • Physical abuse coverage is available by endorsement

Eligible Classes

Classes include, but are not limited to:

  • Tutoring companies
  • Bus transportation
  • Construction workers on school/university campuses
  • Janitors working on school campuses
  • Engineering companies
  • Cafeteria food service vendors
  • Auto repair and tow truck companies
  • Medical offices working on school campuses
  • Day Care operations
  • Airport Transportation
  • Non-Emergency Medical Transport
  • Healthcare Facilities


Ineligible Classes

Classes include:

  • Catholic churches or Catholic-affiliated organizations
  • Long term residential care
  • International travel/student exchange students
  • Spas/massage therapy



Sexual Misconduct & Molestation Highlight Sheet