Abuse & Molestation Liability Insurance

Abuse & Molestation Liability Insurance covers your organisation against claims of abuse or molestation involving the people in your care. We arrange cover for organisations working with vulnerable people.

Abuse & Molestation Liability Insurance Covers Claims Involving People in Your Care

Abuse & Molestation Liability Insurance covers your organisation's legal liability for claims of abuse or molestation involving clients, participants, or others in your care, including the cost of defending a claim as well as any damages awarded. It's a standalone cover, since most general liability policies either exclude this exposure or limit it significantly.

This cover is core to organisations such as aged care providers, childcare and early learning centres, schools, NDIS providers and NDIS support workers, churches and other faith-based organisations, and community clubs and associations. More broadly, it's relevant to any business or organisation working with children, the elderly, people with disability, or other vulnerable people, where the standard of care and oversight is closely scrutinised.

We help you understand your exposure and arrange cover that reflects the nature of the services you provide and the people you work with.

Which Sectors Often Need Abuse & Molestation Liability Insurance

These are the sectors where Abuse & Molestation Liability Insurance is typically a core requirement — not on the list? Get in touch and we'll talk through what you need.

Click on a sector to learn more about other insurances that may be needed to protect your business.

• Community & Social Services

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What You'll Need for a Abuse & Molestation Liability Insurance Quote

We'll talk you through it so that you get the insurance you need for your situation

Services Provided

A description of the services your organisation provides and the people you care for or work with.

Organisation Size

The size of your organisation, including the number of staff, volunteers, and clients or participants.

Screening & Policies

Details of your staff and volunteer screening processes, including working with children checks and relevant policies.

Claims History

Details of any abuse or molestation-related claims, complaints, or known circumstances that could give rise to a claim — insurers in this class generally ask about your full history, not just a recent period, since these claims can come to light many years after the events concerned.

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How Abuse & Molestation Liability Insurance Differs From Related Products

Abuse & Molestation Liability vs. Public & Products Liability

Public & Products Liability typically excludes or limits abuse and molestation claims. Abuse & Molestation Liability is a standalone policy that fills that gap specifically.

Abuse & Molestation Liability vs. Professional Indemnity

Professional Indemnity covers financial loss from professional advice or services. Abuse & Molestation Liability covers a specific and serious type of claim that general professional indemnity cover usually doesn't address.

Abuse & Molestation Liability vs. Management Liability

Abuse & Molestation Liability covers claims involving people in your organisation's care. Management Liability covers claims about how the organisation itself is managed, such as employment disputes — a different claimant and a different exposure.

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