Abuse and Molestation Coverage Checklist and Policy Questions

What this coverage question is really about

Abuse and Molestation Coverage Checklist and Policy Questions is best evaluated by starting with the exposure: abuse or molestation allegations in organizations serving vulnerable people. Depending on the policy, it may address defense and liability for covered allegations depending on form. The exact form, endorsements, limits, definitions, exclusions, and conditions control.

Important caution: screening, reporting, exclusions, claims-made terms and criminal/intentional acts require careful review.

Policy wording to locate

Ask for the declarations page, forms list, and endorsement schedule before relying on a summary.

• Insuring agreement or coverage grant.
• Definitions that describe covered persons, property, services, autos, locations, or events.
• Limits, sublimits, deductible or retention, and aggregate structure.
• Exclusions and endorsements that change the base form.
• Territory, policy period, reporting or notice conditions when relevant.

Questions before buying

Use the same exposure description with every provider so answers are comparable.

• Does the quoted form match the business’s actual abuse or molestation allegations in organizations serving vulnerable people?
• Which situations are handled by a different policy line?
• Which endorsements are required by a lease, client, lender, venue, or project?
• What documents will the insurer request at audit, renewal, certificate issuance, or claim time?

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