Sexual Abuse and Molestation Cover
Included as part of BizInsure’s combined Professional Liability and General Liability packages, when required for your profession.
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What is Sexual Abuse and Molestation Cover?
Sexual Abuse and Molestation coverage, sometimes called Sexual and Physical Misconduct coverage, protects individuals and businesses against claims of sexual molestation or physical abuse brought by a client, patient, student, or other third party. This typically includes:
- Legal defense costs, including attorney fees and court expenses, even if the allegation is ultimately found to be false or unsubstantiated.
- Settlements or damages, if a covered claim results in a settlement or judgment against you or your business.
- Claims against employees, extending protection to allegations made against staff members acting within the scope of their employment, not just against the business owner directly.
- Investigation-related costs, some policies help cover costs tied to responding to licensing board inquiries or internal investigations following an allegation.
Coverage levels
- Up to $100,000 per occurrence
- Up to $300,000 in the aggregate
Coverage depends on policy terms, conditions, exclusions, and insurer acceptance.
Why is Sexual Abuse and Molestation Cover important?
Allegations of sexual or physical misconduct can arise even when no wrongdoing has occurred, particularly in professions where physical contact, close proximity, or one-on-one interaction is a routine part of the job. A misunderstood gesture or an unfounded accusation can trigger a formal claim, and defending against it can be costly regardless of the outcome.
This risk is heightened for professionals who work alone with clients, such as in-home caregivers or independent therapists, since there’s often no third party present to corroborate what actually happened. That’s why, for these professions, BizInsure includes this protection as part of the combined Professional Liability and General Liability package, rather than requiring a separate policy.
How much does this coverage cost?
The cost of Sexual Abuse and Molestation coverage depends on your profession, the level of physical or one-on-one contact involved in your work, whether you operate alone or with staff, and your claims history. Professionals working independently in a client’s home, such as caregivers or massage therapists, may see different pricing than a larger facility with multiple staff members and higher client volume.
This coverage is often added alongside Professional Liability and General Liability, and bundling it into a broader package is typically more cost-effective than purchasing it as a standalone policy. Because pricing varies by role and risk level, the most accurate way to know your cost is to compare quotes based on your specific work.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Click here to check industry wise average prices
Get cover that works with the risks of your business
You can select from different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Unsure how much to choose? Think about:
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Frequently asked questions
No. For home health care professions and agencies, BizInsure includes it as part of the combined Professional Liability and General Liability package, so it’s built into your policy rather than purchased on its own.
Typically, yes. Coverage generally extends to allegations made against staff acting within the scope of their employment, protecting both the individual and the business.
Yes. Legal defense costs are typically covered regardless of whether the claim is ultimately substantiated, since defending against an allegation can be costly even when it’s dismissed.
Yes. Legal defense costs are typically covered regardless of whether the claim is ultimately substantiated, since defending against an allegation can be costly even when it’s dismissed.
In most cases, yes. This coverage is often added as an endorsement or paired policy alongside Professional Liability and General Liability.
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