Endorsements

Sexual abuse or molestation exclusion in admitted P&C products

Coverage intent

A sexual abuse or molestation exclusion limits coverage for claims involving abuse, molestation, harassment, exploitation, or related negligent supervision allegations.

Coverage impact

These exclusions are important in hospitality, education, youth services, health care, habitational, and premises risks where abuse-related liability can drive severe claims.

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Abuse or Molestation Exclusion

Form #: CSC-UMB-END-004 05 26

Colonial Surety Company

Commercial Umbrella and Excess

MD | Jun 29, 2026

This umbrella endorsement removes abuse or molestation liability and related negligent employment or supervision theories.

Abuse, molestation, and negligent supervision scope

This insurance does not apply to:

Abuse or Molestation

Any liability arising out of:
(1) The actual, threatened or alleged:
(a) Sexual abuse;
(b) Sexual molestation;
(c) Sexual assault;
(d) Sexual victimization;
(e) Physical abuse;
(f) Physical assault; or
(g) Coercion to engage in sexual activities;
of any person by any "employee", assistant, "volunteer worker" or member of any insured; or
(2) Any injury resulting from the actual, threatened or alleged acts listed in subparagraphs (1)(a) through (1)(g) above; or
(3) The negligent:
(a) Employment;
(b) Investigation;
(c) Supervision;
(d) Reporting or failure to report to the proper authorities; or
(e) Retention of any "employee", assistant, "volunteer worker" or member of any insured whose conduct would be excluded by subparagraph 1. above.

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Notable language points

  1. 01Covers actual, threatened, or alleged sexual abuse, molestation, assault, victimization, physical abuse, and coercion.
  2. 02Extends to injuries resulting from the excluded acts.
  3. 03Also reaches negligent employment, investigation, supervision, reporting, and retention.

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