Tailored for School Bus, Charter Bus, Social Services, Ambulance,
and ParaTransit Companies.
Now includes coverage for Assault & Battery.
VAIL - Value Added Insurance Lines, in partnership with Capacity Excess, LLC, offers a specialized Sexual Molestation Coverage program designed for transportation service providers that carry vulnerable populations. This includes school buses, charter buses, social service organizations, ambulance providers, and ParaTransit operators. The coverage now extends to include Assault & Battery, providing broader protection against key liability exposures these businesses face.
Ideal Accounts and Appetite
This program is ideal for agents working with transportation clients who regularly serve children, the elderly, individuals with disabilities, or other at-risk groups. Target accounts include:
- School bus contractors and charter bus operators
- Non-emergency medical transportation (NEMT) providers
- Social service agencies with passenger transport needs
- Ambulance companies and ParaTransit operators
If you have a client operating a fleet of transport vehicles for a mental health nonprofit or a charter bus company providing daily school shuttle services, this program offers the necessary liability protection for high-risk allegations.
Coverage Highlights and Advantages
Even unfounded claims of sexual misconduct can lead to costly legal battles and reputation damage. This insurance solution helps your clients manage those risks with:
- Coverage for both legitimate and frivolous sexual molestation claims
- Now includes Assault & Battery coverage
- Limits available up to $5,000,000
Underwriting Notes and Minimum Premiums
This is a non-admitted program with straightforward underwriting requirements. Key program features include:
- Flat rate per vehicle for easier quoting
- Simplified application process
- Quick turnaround on quotes
- $10,000 minimum premium
- $25,000 minimum retention
Territories and Availability
This program is available nationwide in all 50 states and the District of Columbia. Please note that it is offered on a non-admitted basis.
Why Work With VAIL and Capacity Excess
VAIL brings value-driven insurance solutions to niche markets. Through their access to Capacity Excess, LLC, they provide agents with a reliable partner for placing difficult risks related to sexual misconduct and abuse claims. You can count on responsive service, market expertise, and a strong underwriting team committed to helping you protect your clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for school bus operators, charter bus companies, ambulance services, ParaTransit providers, and social service agencies that transport vulnerable populations.
Does the policy cover Assault & Battery in addition to Sexual Molestation?
Yes, the coverage now includes Assault & Battery, offering broader protection for high-risk liability situations.
What is the minimum premium for this coverage?
The minimum premium for this program is $10,000, with a minimum retention of $25,000.
Is this program available in all states?
Yes, the program is available in all 50 states and Washington, DC, on a non-admitted basis.
How quickly can I get a quote?
VAIL and Capacity Excess offer a simplified application and fast turnaround on quotes, helping you move quickly for your clients.
Need help placing an account? Connect with a market specialist.