A client alleges abuse by an employee, volunteer or contractor.
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Commercial Insurance Solution
Abuse & Molestation Liability
Specialized protection for allegations of sexual or physical abuse, molestation or misconduct involving people served by an organization.
Request a ProposalWho it helps
Coverage aligned with the exposure
- Nonprofits, social-service organizations and youth programs
- Home care, home health, hospice and healthcare organizations
- Schools, camps, religious organizations and other entities serving vulnerable populations
Claim scenarios
How a claim might arise
An organization is accused of negligent hiring, supervision or retention.
A historical allegation is reported after the individual is no longer associated with the organization.
These examples are illustrative only. Whether a claim is covered depends on the actual facts and the policy’s terms, conditions, exclusions, limits and endorsements.
Review carefully
Exclusions and options to discuss
- Who qualifies as an insured and which alleged perpetrators are excluded
- Defense costs, aggregate limits and per-victim or per-event wording
- Prior acts, retroactive dates and reporting requirements
- Background checks, two-adult rules, supervision and incident-response practices
Prepare for a quote
Information your broker may need
- Population served, programs and locations
- Employee, volunteer and contractor counts
- Screening, training, supervision and reporting procedures
- Prior allegations, claims and requested limits
Frequently Asked Questions
Common questions
Is this included in general or professional liability?
Sometimes limited coverage may be included, but many policies exclude or restrict abuse-related claims. The wording, limits and defense provisions should be reviewed carefully.
How is pricing determined?
Insurers generally consider the organization’s size, operations, loss history, limits, deductibles, controls and other coverage-specific exposures.
Can this coverage be coordinated with our other policies?
Yes. Reviewing related policies together can help identify gaps, overlaps and inconsistent terms before a claim occurs.
Talk with Peloton
Build a proposal around your organization—not a generic checklist.
This page provides general information only and is not legal advice or a representation of coverage. Policy terms and availability vary by insurer and risk.