Target classes
- Tutoring Companies
- Bus Transportation
- Construction Workers on School / University Campuses
- Janitors Working on School Campuses
- Engineering Companies
- Cafeteria Food Service Vendors
- Auto Repair and Tow Truck Companies
- Day Care Operations
- Airport Transportation
- Retail Stores
- IT Consultants
- Financial Advisors
- Manufacturing
Highlights
- Form can be written as defense only, defense liability or duty to defend
- Physical abuse coverage available by endorsement
- Coverage extends to employees (part time, seasonal, temporary) and volunteers
- Limits and deductible apply per victim
- Prior acts coverage available
- Extended reporting period is available
As companies and organizations are being required to carry sexual misconduct and molestation insurance, insurers are specifically excluding these exposures. Unlike other insurers, at TMHCC we know how important these exposures are and offer Sexual Misconduct and Molestation Liability (SMML) coverage to a broad range of classes.
For product inquiries or submissions: [email protected]
Summary of coverage
Sexual Misconduct and Molestation Insurance gives organizations protection against sexual misconduct and molestation claims. Our policy covers allegations of sexual abuse, molestation, or mistreatment or maltreatment of a sexual nature, as well as allegations of negligent employment, investigation, supervision, training or retention of, or failure to report to proper authorities, a person who committed abuse or molestation.
- Limits up to: $1 million each victim / $2 million aggregate ($1 million / $2 million if required by written contract)
- Minimum premium: $5,000
- Minimum deductible: $5,000
Documents & forms
Why choose Tokio Marine HCC?
Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance.
More about us Financial strengthNot all products, coverages, or features may be available in all states. Restrictions, exclusions, limitations, and conditions apply and you should see your agent for more information. Certain products and services are provided through non-admitted insurance carriers and are not subject to certain State Guaranty Funds.