Sexual Misconduct Liability
Standalone sexual abuse, misconduct and molestation coverage for the toughest exposures
Sexual Misconduct Liability
Standalone sexual abuse, misconduct and molestation coverage for the toughest exposures
Misconduct claims are among the most serious out there. We’re serious about providing robust insurance coverage.
Every organization is at risk of sexual misconduct and molestation (SML) claims – even the ones with extensive screening protocols. SML allegations present significant safety, reputational and financial risks across a broad range of industries.
The challenge? It can be hard to find adequate coverage. Many insureds historically relied on GL policies but now run the risk of SML coverage being sub-limited or restricted as carriers pull back amid an increasingly complex legal landscape.
The solution: BRP offers monoline SML coverage that’s purpose-built to withstand the evolving market.
Where we stand out:
- Claims-made, monoline SML coverage
- Domestic capacity written on surplus lines
- Same-day quotes
- No minimum earned premium
- Exceptional risk management services, including:
- Up to $100,000 in built-in response
- Prevention + crisis response services included at no charge
- Training tools
Coverage highlights
- Up to $5M capacity for primary or excess risks
- Able to sit excess over Occurrence sublimits
- Able to sit excess over Occurrence sublimits
- Assault & battery sublimit available for a wide range of classes
- "Contract-specific" coverage available
- Ability to meet lender "additional insured" requirements
Eligible for every class of business except foster care or adoption.
Sexual Misconduct Liability (SML) Program details
Availability
This program is available in all U.S. states
Limits
$5M primary or excess (including over GL sublimit)
Minimum premium
As low as $2,000, depending on exposure
Carrier
Domestic AM Best “A-,” non-admitted
BRP’s SML program is available through Amwins brokers. Need help finding a broker? Reach out to David Lewison, national professional lines practice leader.
Contact Us
David Lewison
EVP, National Professional Lines Practice Leader
Amwins Insurance Brokerage, LLC - New York City, NY
