The Short Answer
Abuse and molestation (A&M) insurance covers your organization when a claim is made alleging sexual abuse, physical abuse, or emotional abuse by a staff member, coach, volunteer, or other representative of the organization. It is one of the most important coverages for any organization that works with minors.
A&M coverage pays legal defense costs and settlements when claims are made — even if the alleged abuse occurred years ago. Many states have extended or eliminated statutes of limitations for childhood sexual abuse claims, increasing the long-term exposure for youth organizations.
Players Health includes A&M coverage as a standard component of every youth sports policy, not an optional add-on. This reflects the reality that abuse claims are one of the most common and costly types of litigation facing youth sports organizations today.
A&M insurance works best alongside strong organizational safeguards: background checks for all coaches and volunteers, two-deep leadership policies, no-lone-zone rules, and clear reporting procedures. Insurance covers the financial exposure; safeguards prevent abuse from happening.
Coverage Overview
| Coverage Type | Applies? |
|---|---|
| General Liability | ✓ |
| Abuse & Molestation | ✓ |
| Accident Medical | ✓ |
| Directors & Officers | ✓ |
| Abuse & Molestation | – |
| Workers Compensation | – |
| Property Coverage | – |
| Umbrella / Excess | ✓ |