Sexual Misconduct & Molestation

Sexual Misconduct and Molestation Liability (SMML) Insurance is designed to assist organizations in fulfilling contractual requirements to carry insurance for sexual misconduct and molestation claims. 


  • Physical abuse coverage is available by endorsement
  • Coverage extends to employees (part time, seasonal, temporary) and volunteers
  • Limits and deductible apply per victim
  • Prior acts coverage available
  • Extended reporting period 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
    • Day Care operations
    • Airport Transportation
    • Retail Stores
    • IT Consultants
    • Financial Advisors 
    • Manufacturing 

Summary of Coverage

As companies and organizations are being required to carry sexual misconduct and molestation insurance, insurers are specifically excluding these exposures.  And at a time when many insurers are excluding these exposures, TMHCC offers SMML coverage to a broad range of classes.


Sexual Misconduct and Molestation Insurance gives organizations protection against sexual misconduct and molestation claims.


For inquiries or submissions: [email protected]

Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, 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.