Specialty Coverage
Sexual Misconduct & Abuse Liability
Definition. Sexual Misconduct & Abuse Liability covers claims of sexual misconduct, abuse, or molestation by clergy, staff, or volunteers. Standard GL EXCLUDES these claims.
Also known as:
Abuse Liability, Molestation Coverage
Critical for religious organizations, daycares, schools, youth programs, summer camps, healthcare. Most generalist commercial GL contains explicit exclusions for abuse/molestation claims. Settlements commonly run in the high six to low seven figures; individual verdicts above $10M-$25M are increasingly common; institutional cases produce far larger outcomes (Boy Scouts of America settlement trust ~$2.46B in 2022; multiple Catholic diocese settlements above $100M). Specialty carriers (Church Mutual, GuideOne, Brotherhood Mutual, Philadelphia Insurance) write this coverage natively. Figures vary by jurisdiction, statute-of-limitations rules, and case profile.
Example
Church youth program allegation triggers $1.2M defense + settlement. ONLY covered if Sexual Misconduct & Abuse Liability in force; excluded by standard GL.
Need sexual misconduct & abuse liability coverage?
Compare quotes from 10+ commercial insurance carriers in 5 minutes. Free, no contact info required.
Get My Quotes →
Disclosures
📘 Educational content only.
Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
Advertiser disclosure.
Get Business Coverage is a licensed insurance referral service. We may receive
compensation when you click links to carrier partners or complete a quote. This
compensation may impact how and where products appear on this page, but it does
not influence our editorial content or research methodology.
