Deadly Assault + Sexual Misconduct

Amwins' exclusive product combines deadly weapon assault and sexual molestation insurance coverage to combat exclusions when unconscionable incidents occur.
Police Line

Incidents that include assault with a deadly weapon, active shooter or sexual abuse/molestation have devastating repercussions for victims. For insureds, they can result in expensive claims, negative press coverage and damaged reputations. As the threat of large settlements loom, many insurers are adding exclusions or sub-limits to GL and other policies, leaving insureds at risk for disastrous gaps in coverage. 

In partnership with an "A-XV" rated London syndicate, Amwins offers an exclusive deadly assault and sexual misconduct insurance protection product on a claims-made basis. The innovative package policy is an unprecedented solution that provides coverage for small and middle-market businesses who face significant coverage gaps or high retention rates. 

 

Deadly Assault and Sexual Misconduct Protection Features

  • Combines Deadly Weapons Protection (DWP) and Sexual Molestation Liability (SML) insurance coverages, simplifying form wording onto a single policy
  • Enhanced provisions not found on typical policies, including pay on behalf of wording and crisis management extensions


Target Industries

Small and middle-market businesses including, but not limited to:

 Healthcare: hospitals, medical centers, day spas

 Hospitality: restaurants/bars, health clubs, family fun centers

 Public Entities: schools, churches, non-profits

 Real Estate: commercial LRO, Multi-family exposures

Transportation/Livery: shuttle services, valet companies, food delivery companies

See sample list of target accounts.

Statistically Speaking

  • 81% of women and 43% of men reported experiencing some form of sexual harassments and/or assaults in their lifetime.
  • In 2021 the United States is currently on track to see the most shootings in the country than any recent year on record.
  • Over 17,000 people have died from gun violence since January of 2021.

Despite difficult market conditions, the exposure has grown.  In a world where nothing is guaranteed, Amwins' exclusive product offers coverage your clients can be confident in.

 

 

Submission Requirements

  • Completed Amwins supplemental application
  • Location schedule / SOV (for risks with multi-site exposure)
  • Details on any prior SML coverage
  • Loss data / hard copy loss runs on the insured's current liability policy(ies)

Contact Us

David Lewison
EVP, National Professional Lines Practice Leader
Amwins Brokerage of New York - New York City, NY
212.858.8975 david.lewison@amwins.com