Coverage classification
- Form type
- Endorsements
Compare Sexual misconduct liability coverage forms
| Form | Intent | Who and what is addressed | Conditions and limits |
|---|---|---|---|
Berkshire Hathaway Specialty Insurance CompanySexual Misconduct Liability Coverage Endorsement - Claims Made and Reported SBC-PPH-024B-102024 Healthcare Professional Liability | Adds claims-made-and-reported coverage for specified sexual misconduct claims. | Addresses damages for sexual misconduct events, while excluding specified vicarious liability allegations. | Coverage is subject to retroactive date, claim and reporting requirements; defense costs reduce the limits. |
COPIC Insurance CompanySexual Misconduct Vicarious Liability Only (Umbrella/Excess Coverage) UMBSAM-CORE 11/24 Umbrella / Excess Liability | Amends an exclusion concerning claims for sexual misconduct by an individual insured. | The exclusion has an exception for claims against the first named facility unless it participated in, directed or knowingly allowed the conduct. | A sublimit applies, including defense costs, and the specimen leaves its amount unspecified. |
Notable clauses
““Defense costs” reduce the limits of insurance”
Berkshire Hathaway Specialty Insurance Company · Sexual Misconduct Liability Coverage Endorsement - Claims Made and Reported · SBC-PPH-024B-102024
Defense costs. The endorsement states that defense costs reduce the available limits.
“unless the facility participated in, directed, or knowingly allowed the conduct to occur”
COPIC Insurance Company · Sexual Misconduct Vicarious Liability Only (Umbrella/Excess Coverage) · UMBSAM-CORE 11/24
Facility exception. The exception to the individual-insured exclusion has this limitation for the first named facility.
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