Tysers Insurance Brokers | Sexual Misconduct & Molestation Liability

Sexual Misconduct & Molestation Liability


Tysers offers a unique Sexual Misconduct & Molestation Liability (SML) form which is also considered the broadest available on the market.

It offers financial protection, response services and risk management for organisations against the cost of defence and liability in responding to actual or alleged acts of sexual misconduct and molestation, as well as negligent hiring and supervision. It also addresses the reputational damage that sexual misconduct and molestation allegations create for companies. Under Tysers SML binding authority with Beazley we have the ability to offer limits up to $5m, plus we have successfully placed an SML Consortium in London giving Beazley the ability to write up to $10m in limits (all available for primary or excess placements). There remains other London markets in addition who can consider excess SML business.

Key features:

  • Safeguard services, including prevention and response services
  • Coverage for executive offices, employees, coaches, counsellors, clergy & volunteers
  • Worldwide coverage
  • Duty to defend policy
  • Coverage includes negligent hiring, employment, investigation, supervision or training
  • Coverage in the event your client fails to report to proper authorities employees who commit acts of sexual misconduct or molestation
  • Ability to backdate retro-date if continuous claims made prior to SML coverage

Target Industries:

  • Religious organisations
  • Educational institutions
  • Healthcare organisation
  • Social Services / Human Services
  • Leisure Services
  • Transportation Companies (including school bus companies)
  • Non-profits (an industry requiring our SML product to satisfy contractual requirements)

We have been writing this product with Beazley since 2006 and now successfully provide them with over 50% of their business, therefore benefiting from daily appointments, preferential rates and an exclusive SML product.

We are successful in providing non-profits with contract specific SML policies to satisfy State, School District or other contractual requirements. We are assisting many industries, including Human Services and Education, to fulfil SML limits as historical GL carriers look to exclude SML coverage or sub-limit on primary and umbrella polices (although offering a claims made product we can write excess of GL occurrence programs).


  Tysers – SML