Abuse & Molestation Liability Insurance
Abuse & molestation liability covers claims of abuse, neglect, or molestation involving your residents — a critical coverage for facilities caring for vulnerable adults, since standard GL frequently excludes it.
Abuse & Molestation Liability for Care Facilities
Facilities caring for elderly and vulnerable residents face abuse, neglect, and molestation exposure — whether from staff, other residents, or visitors. Most general liability policies now exclude these claims or sub-limit them severely, leaving a dangerous gap. Dedicated abuse & molestation (A&M) coverage fills it.
What A&M Coverage Provides
- Defense and liability for alleged abuse, neglect, or molestation of residents
- Negligent hiring, training, supervision, and retention claims against your facility
- Physical, emotional, financial, and sexual abuse allegations
- Defense costs, which are significant even when allegations are ultimately unfounded
Why It Can't Be Ignored
Elder abuse allegations are among the most damaging claims a care facility can face — financially and reputationally. A single allegation, even one later proven baseless, can generate enormous defense costs and threaten your license. Many state agencies, referral partners, and families now expect proof of A&M coverage.
Risk Controls Underwriters Expect
- Thorough background checks on all caregivers and staff
- Documented training on resident rights and abuse prevention
- Clear supervision, reporting, and grievance procedures
- A written code of conduct and incident-response plan
Strong, documented safeguards both protect residents and improve your terms. We help you build and present those controls.
What's Covered
Frequently Asked Questions
Usually not. Most modern GL policies exclude abuse and molestation or apply a very low sub-limit. For a facility caring for vulnerable residents, a dedicated abuse & molestation policy is essential to close that gap.
Many abuse & molestation forms extend to neglect allegations involving residents, but terms vary. We make sure your policy is structured to address the neglect and abuse exposures specific to residential care.