Sexual Abuse and Molestation (SAM) coverage is typically requested for those performing or vending at schools or malls. There may also be other events/venues that require SAM coverage. This coverage doesn't protect you against a claim for abusing or molesting someone, but rather if you're left in charge of a group of minors and something happens between them. When performing or vending for a group of minors, we suggest asking the venue to also have an employee or staff member be present at all times. Under this type of insurance, the following type of claims may be covered: Actual abuse, threatened abuse, molestation, or sexual harassment.
SIA offers two limits for SAM coverage:
- $100,000 per occurrence / $300,000 general aggregate (most you'd be paid out per policy period) for $130
- $1,000,000 per occurrence / $2,000,000 general aggregate for $700
- Please note, the higher limits of coverage are only valid in the states of California and Illinois
This coverage follows your Commercial General Liability dates and can't be prorated. If you currently have a policy and would like to add this coverage or have any questions, give our office a call at 715-246-8908!