Midlands Sexual Misconduct and Molestation Liability provides essential financial protection and risk management support for organizations facing the costs of defending against actual or alleged acts of sexual misconduct and molestation. This coverage also extends to claims stemming from negligent hiring, supervision, training, or retention practices.
Comprehensive Protection for Sensitive Exposures
Midlands Management Corp developed this specialized program to help organizations mitigate the significant financial and reputational damage that allegations of sexual misconduct and molestation can cause. This policy is designed to respond quickly and effectively, offering:
• Coverage for executive officers, directors, trustees, employees, coaches, counselors, clergy, and volunteers
• Protection for negligent hiring, employment, supervision, investigation, training, or failure to report offenders to authorities
• Global coverage for insured events, regardless of where they occur
• Duty to defend policy, activating from the first notice of claim
Midlands can entertain Sexual Misconduct and Molestation Liability risks of virtually any size and complexity across a broad range of industries.
Program Highlights:
Target Industries:
Free Web-Based Risk Management Resources Include:
Territories and Market Access
Midlands’ Sexual Misconduct and Molestation Liability program is available in most U.S. states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Coverage is offered through multiple carriers across both admitted and non-admitted markets, depending on the state and account profile.
Why Work With Midlands Management Corp?
Midlands Management Corp is a trusted provider with deep experience in placing challenging and sensitive liability risks. With broad market access, expert legal and loss control partnerships, and a commitment to tailored underwriting, Midlands is well-positioned to help you secure the right protection for your clients. Whether you’re working with a small nonprofit or a large institution with national reach, Midlands offers flexible solutions, responsive service, and the expertise you need to navigate this high-risk coverage area.
You might have a client such as a regional church network with youth outreach programs, or a summer camp operator that employs seasonal staff—both are excellent candidates for this program. Midlands understands the nuances of these exposures and offers carriers and support that agents can rely on.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for religious organizations, schools, camps, healthcare providers, and social service agencies that work with children or vulnerable populations.
Is this coverage available in all states?
The program is available in most U.S. states. Check with Midlands for specific availability in your client’s state.
Can this coverage be written as excess or only primary?
Midlands can write coverage on either a primary or excess basis, with limits available up to $5 million.
Does the program include risk management resources?
Yes, policyholders receive access to online training, legal guidance, and best practices to help prevent and respond to incidents.
What carrier markets does Midlands use for this program?
Midlands works with multiple carriers across both admitted and non-admitted markets, depending on the account characteristics and location.
Need help placing an account? Connect with a market specialist.