Sexual Misconduct Liability

Sexual Misconduct Liability

The intent of this coverage is to respond to allegations of sexual abuse. This should not be confused with sexual harassment, which is more appropriately insured under a directors and officers policy. Some insurers claim that this coverage is included in their general liability insurance because the policy does not specifically exclude improper sexual conduct, but relying on a general liability policy is a risk that may provide no coverage for employees and volunteers who may be unfairly accused. Unless this coverage is purchased as a separate policy, specifically providing coverage for improper sexual conduct, you will likely not have any coverage for your innocent employees or volunteers.