Coverages / Abuse and molestation liability
Abuse · 4 of 37 trades
Abuse and molestation liability
Claims arising from alleged abuse of people in your care. Not required by law; often required by state licensing or clients for care providers.
- 1Trades carrying it 4 of 37
- 2Highest injury rate 6.3 per 100
- 3Lowest of them 1.6 per 100
- 4Typical requirer Child care, home health, n
What it is for
Claims alleging abuse of a person in your care are excluded or sub-limited on standard liability forms. Child care, home health, nursing facilities and youth programmes buy abuse and molestation liability as a separate coverage or endorsement, and state licensing agencies and institutional clients frequently require it.
How it is bought
Abuse and molestation coverage is written either as an endorsement to the general liability policy, with its own sub-limit, or as a standalone policy. The questions on the application are about screening and supervision — background checks, two-adult rules, incident reporting — and the answers set both the price and whether the carrier will write it at all. Licensing agencies that require it usually name a minimum limit; clients such as school districts and hospital systems often name a higher one. Because allegations can surface years after the fact, the trigger (occurrence or claims-made) and any retroactive date matter more here than on most lines, and a change of carrier should preserve prior-acts coverage.
Trades that carry abuse and molestation liability
Child care, home health, nursing. On this site, 4 of 37 trades list it, from nursing care facilities at 6.3 recordable cases per 100 workers to home health care services at 1.6.
What to ask a broker
- What the policy excludes that your work actually involves.
- Which contracts or licences require this line and the limit they name.
- Whether it is a standalone policy or an endorsement, and what the deductible is.
Coverage descriptions are editorial. Legal figures: 49 CFR 387.9 — Schedule of limits, public liability (eCFR). Injury rates: BLS Survey of Occupational Injuries and Illnesses, Table 1 (2024), incidence rates per 100 full-time workers. Checked 2026-10-23.