How does an organisation respond to allegations of sexual misconduct? Many discover too late that their general liability policy contains exclusions they never noticed, leaving them exposed when they need protection most.
When the unthinkable happens, we make sure you're protected
A youth counsellor at a summer camp. A volunteer at a healthcare facility. A teacher at a school. We trust these people with our most vulnerable, but what happens when that trust is broken? How does an organisation respond to allegations of sexual misconduct? Many discover too late that their general liability policy contains exclusions they never noticed, leaving them exposed when they need protection most.
Why you need SML cover
Your organisation faces real risks that ordinary insurance doesn't address:
The rules have changed
Liability policies now completely exclude sexual misconduct claims.
Risks hide in plain sight
Most organisations don't realise their vulnerability until they're facing a claim.
Clarity and confidence
With dedicated coverage, you know exactly where you stand.
Sexual Misconduct Liability coverage is designed to:
Provide financial protection for legal defense costs
Cover settlements and judgments related to allegations
Support affected parties with resources for healing
Help implement preventative measures and training
Sectors we operate in
We work with organisations across various sectors:Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Education and childcare
Religious institutions
Healthcare providers
Sports and recreation
Hospitality and leisure
Community services
Partner with protection experts.
With decades of experience in this sensitive area, Lockton provides more than just insurance coverage. We offer:Strong relationships
We have access to worldwide markets through Lockton's extensive network and maintain strong connections with Beazley and other key markets.
Crisis response planning
We develop innovative approaches to fit each client's unique situation.
Claims advocacy when incidents occur
From risk assessment to claims handling, we're with you every step of the way.
Our SML team
Jessica Cullen
Head of US Casualty, London, UK
jessica.cullen@lockton.com
+44 743 518 4467
James Pryke
P&C Specialty US Casualty Team Leader, London
james.pryke@lockton.com
+44 758 540 4886
Raffe Hobson
Casualty Broker
raffe.hobson@lockton.com
+44 734 060 1705
Get in touch
Our Latest Sexual Molestation Liability Insights
Sexual Molestation Liability FAQ’s
What is the difference between SML, SMML and SAM insurance?
There is no substantive difference between Sexual Molestation Liability (SML) insurance, Sexual Misconduct and Molestation Liability (SMML) insurance or Sexual Abuse and Molestation (SAM) insurance. These terms are used interchangeably in the insurance market to refer to the same type of coverage. All provide dedicated protection against claims involving sexual misconduct, abuse, or molestation.
The slight difference in terminology simply reflects different naming conventions used by various brokers and insurers, but the coverage provided addresses the same fundamental risks.
What businesses would benefit from having SML insurance?
SML insurance is particularly important for organisations that:
Work with vulnerable populations
Have employees or volunteers in positions of trust
Operate in settings with potential one-on-one interactions
Specific sectors that should consider dedicated SML coverage include:
Education providers (schools, tutoring services, childcare facilities)
Religious organisations (churches, synagogues, mosques, religious schools)
Healthcare facilities (hospitals, clinics, care homes)
Sports and recreation providers (camps, clubs, youth programmes)
Hospitality businesses (hotels, resorts, leisure
Community services (charities, counselling services, youth organisations)
Any additional organisation where people are entrusted with the care or supervision of others should evaluate their need for dedicated SML coverage
What risks does SML insurance cover?
SML insurance typically covers:
Legal defence costs for the organisation and covered individuals
Damages awarded in civil suits related to sexual misconduct
Settlement costs for covered claims
Risk management services
Crisis response management expenses
Public relations support following an incident
Coverage generally applies to allegations of sexual abuse, molestation, harassment, or misconduct committed by employees, volunteers, or, in some cases, third parties for whom your organisation may be held liable.
It's important to note that SML insurance protects the organisation and innocent parties—it never provides coverage for the actual perpetrator of abuse or misconduct.