Coverage intent
A human trafficking exclusion limits coverage for claims connected to trafficking, exploitation, or related criminal conduct.
Coverage impact
This exclusion can be important in hospitality, habitational, transportation, and premises-driven liability products where carrier appetite and wording vary.
Where this language appears
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Sample form language
A representative form excerpt for this topic, with the form number and edition date shown the way insurance teams usually identify versions.
Selected form
Human Trafficking Exclusion
Form #: 00MLL011800 05 26
Arch Insurance Company
Businessowners
RI | Jun 23, 2026
This endorsement defines human trafficking broadly enough to capture recruitment, facilitation, transport, patronage, coercion, fraud, force, and related conduct.
Human trafficking definition
"Human Trafficking" means any act or series of related acts or behavior involving the actual, alleged, attempted or threatened recruitment, enticement, grooming, facilitation, harboring, detention, transportation, transfer, obtaining, provision, advertisement, maintenance, patronage, solicitation or receipt of a person or persons to engage in any labor, services or other acts through the use of any improper or illegal means including threats, force, fraud, deception or coercion.
Selected excerpt from this form.
Notable language points
- 01Captures alleged, attempted, and threatened conduct, not only completed conduct.
- 02Reaches both movement-related conduct and patronage or solicitation.
- 03Includes improper or illegal means such as threats, force, fraud, deception, or coercion.
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