Sexual Misconduct Liability
Overview
Insential now offers Sexual Misconduct Liability to address this growing problem in the U.S. today.
The reputational and financial damage caused by allegations of sexual misconduct can be devastating to both individuals and organizations.
Insential has partnered with one of London's most respected and long-term SML underwriters to provide the state-of-the-art program for this important coverage.
Sexual Misconduct Liability
Insential offers Professional Liability written by Lloyd's on a non-admitted basis.
Covered Classes
- Religious Institutions including churches, parishes and archdioceses
- Schools and other Educational Institutions including Colleges
- Helthcare Organizations
- Social Service Agencies and Providers
- Camps, Recreation Centers
Coverage Features
- Limits up to $5 million
- Primary or Excess
- Policies written on streamlined, state-of-the-art forms
- Additional Policy enhancements available to customize coverage for a wide range of Insureds
- Claims-Made Policies
- Coverage includes Negligent Hiring, Failure to Provide Supervision and Failure to Report
- Duty-to-Defend coverage
- Worldwide Coverage
- Pre-Claim and Loss Mitigation Services
Minimum Premium
As low as $15,000
Minimum Deductible
$15,000
Territories
Available in most states
Submission Requirements:
- Application
- Details of past claims or potential claims activity
- Other underwriting as may be required
Programs