sexual abuse and molestation insurance?
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Hi folks, I have a question for my fellow independent contractors out there.
I work for myself, not an agency. I¡¯ve always had professional liability insurance, and that¡¯s been enough for all of the school districts I¡¯ve ever worked for. I was approached about doing a contract with a new school district, and they are requiring comprehensive liability insurance, sexual abuse and molestation insurance, as well as Professional liability insurance. Which I¡¯m happy to get, but for the life of me, I can¡¯t find an insurance agency that offers the levels that they are requiring that aren't prohibitively expensive. Has anyone found an insurance company that will provide sexual abuse and molestation insurance for an individual education contractor for the following levels?
Sexual Abuse and Molestation Insurance limits of $1,000,000 Per Occurrence / $2,000,000 Aggregate.
As well as Comprehensive or Commercial General Liability Insurance with limits of at least $1,000,000 Per Occurrence / $2,000,000 Aggregate. (note, I¡¯ve easily found comprehensive, the challenge is the sexual abuse Insurance at that high level.)
I have found a stand alone sexual abuse and molestation insurance policy that is $5500 year, which is prohibitively high. There has got to be something more affordable out there. Any suggestions? I have tried FTJ, hiscox, hub, next insurance, and countless others, to no avail. I live in California.
Thanks in advance for your help.
Sincerely,
Maya
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