Abuse & Molestation Policy Feature Checklist
What to confirm in a abuse & molestation policy — what's standard, what's often limited, and what to add if needed — plus the gap most often missed.
Pull out your current abuse and molestation coverage and check the box next to each feature you can confirm it includes — anything unchecked is worth a quick conversation with your advisor.
Tick each feature you can confirm your policy includes — anything left unticked is a good question for your next policy review.
| Confirm? | Policy feature | What to confirm | Priority |
|---|---|---|---|
| Dedicated A&M Limit (Not a Small Sublimit) | Confirm abuse claims aren't capped at a low sublimit inside general liability. | Standard | |
| Negligent Hiring & Supervision | Covers claims that the organization failed to screen or supervise — the usual basis for suits against organizations. | Standard | |
| Employees & Volunteers as Insureds | Confirm staff and volunteers accused of failing to prevent abuse are covered (never the perpetrator). | Standard | |
| Occurrence vs. Claims-Made Trigger | Claims-made policies need a retroactive date that reaches back — revival laws bring old claims forward. | Standard | |
| Interrelated Claims / Per-Perpetrator Aggregation | Explains whether multiple victims of one person count as one claim or many — this drives available limits. | Often limited | |
| Defense Outside the Limit | Confirm whether defense costs reduce the limit — abuse claims are expensive to defend. | Often limited | |
| Historical Policies Located | Old occurrence policies may respond to revived claims — keep copies or evidence of every past carrier. | If needed |
The gap most often missed in this coverage
The most commonly missed gap in this coverage is old coverage. Thirty states and three territories have revived expired child-abuse claims, and disclosure often comes about 20 years later — so a claim filed today may fall on a policy bought decades ago. Organizations should locate records of every past liability insurer and confirm a claims-made policy's retroactive date reaches back as far as possible.
Send us the checklist and we'll review your abuse & molestation coverage line by line, then market it across multiple carriers that compete for your account.
Related: Sexual Abuse and Molestation Insurance · Abuse & Molestation Supplemental (apply) · All coverage checklists
Frequently asked questions
What should a abuse & molestation policy include?
Standard features to confirm in a abuse & molestation policy include Dedicated A&M Limit (Not a Small Sublimit), Negligent Hiring & Supervision, Employees & Volunteers as Insureds, Occurrence vs. Claims-Made Trigger. This checklist also flags the features that are often limited or sublimited and the ones to add if needed, with a plain-English note on each.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my abuse & molestation coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.