Sexual Abuse and Molestation Insurance provides essential coverage for businesses and organizations facing allegations of sexual misconduct or abuse. Even if claims are unfounded, the legal costs associated with defending against them can be substantial. Our coverage ensures you have the necessary protection, offering defense and financial support when you need it most.

Yes. Our sexual abuse insurance policies will cover the insured’s employees, independent contractors, volunteers and leased employees as long as they performing activities solely on behalf of the named insured’s business.

The cost of sexual abuse insurance can vary based on several factors. Insurance providers consider these factors when determining the premium for a policy.
Here are some key factors that influence the cost of permanent makeup insurance:

1. Size and scope of business: The size of the business, whether they have a multiple employees or they are just an individual can impact the insurance cost. Larger risks with more employees who may have higher premiums due to an increased risk and liability associated with more employees coming in contact with the public.

2. Type of industry: Certain industries naturally face a higher risk of sexual abuse allegations due to their work with vulnerable populations. Businesses in these classes may see higher insurance costs, as providers assess the level of exposure and potential for claims.

3. Claims history: Insurance companies consider the claims history of your business when determining the cost of coverage. If the insured has a history of claims, it may result in higher premiums.

4. Employee Screening & Risk management practices: Insurance providers evaluate the employee screening process and risk management practices to assess potential risks. Insured’s who implement a thorough screening process and ensuring employees are properly trained to recognize and prevent sexual misconduct can help minimize liability. A proactive approach to risk management not only creates a safer environment but may also lead to lower insurance costs by reducing the likelihood of claims.

Yes, day spa insurance policies typically have exclusions or limitations that outline specific situation or circumstances where coverage may not apply or may be limited. These exclusions and limitation can vary depending on the services being provided.
It’s important to carefully review the insurance quote and policy and understand the exclusions and limitation that may apply.

We prefer you complete PPIB’s application for us to provide accurate terms. Since we have customizable coverage to offer your clients, we have specific questions we need answered. Therefore, we have created a specific application to obtain all the information we need to provide an accurate quote for your clients. Acord applications and other supplemental applications are missing many of the important questions to help obtain critical information to determine accurate terms. This is why we prefer our Sexual Abuse application to be completed to obtain a quote. We want to make sure the quote we are providing has the most accurate terms for you to bring to your client.

Once you have a completed application email the application to submissions@ppibcorp.com 

To become appointed, we will need a copy of your Agency’s license, copy of declarations page or certificate of insurance of Agency’s E&O, W9 and a Producer Profile Form completed. Please click here to access our Producer Profile Form

No, we can offer you a quote without you being officially appointed, but we will need to have you appointed in order to bind.

A list of the binding requirements will be provided on the quote, in a section on the last page of the letter, advising what is needed in order to bind coverage.

Our carriers require us by contract to file all surplus lines taxes. However, brokers with Surplus Lines Licenses may be able to file taxes.