Abuse / Molestation

This unique coverage features simplified underwriting and a streamlined application process for qualified applicants. Qualified applicants can simply choose a limit, pay the premium, and request to bind.


  • Free choice of defense counsel
  • Waiver of co-insurance when electing to use panel counsel
  • Coverage for directors, trustees, officers, employees and volunteers
  • Reputational harm coverage is available by endorsement
  • Prior acts coverage is available
  • Physical abuse coverage is available

Best For

  • Tutoring companies
  • Bus transportation
  • Construction workers on school / university campuses
  • Janitors working on school campuses
  • Engineering companies
  • Cafeteria food service vendors
  • Auto repair and tow truck companies
  • Medical offices
  • Day care operations
  • Airport transportation
  • Non-emergency medical transport

Summary of Coverage

With the recent stream of allegations of abuse, general liability policies are starting to specifically exclude this coverage when companies need it most.  TMHCC’s abuse or molestation reimbursement insurance product provides organizations with protection against abuse or molestation claims. 

Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, the United Kingdom, Spain and Ireland, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions.