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 for transportation providers who regularly carry vulnerable populations. This program is designed for school bus contractors, charter operators, social service agencies, ambulance services, and ParaTransit providers. Coverage now extends to include Assault & Battery, giving broader protection for the kinds of high-exposure allegations these businesses face.
Ideal Accounts and Appetite
This program is intended for agents placing transportation clients that serve children, seniors, people with disabilities, or other at-risk groups. Typical target accounts include:
- School bus contractors and charter bus operators
- Non-emergency medical transportation (NEMT) providers
- Social service agencies that provide passenger transport
- Ambulance companies and ParaTransit operators
You might place a mental-health nonprofit that operates daily shuttle routes or a charter company that runs school shuttles — both are examples of accounts that can benefit from dedicated sexual molestation and assault & battery coverage.
Coverage Highlights and Advantages
Allegations of sexual misconduct — even unfounded — can result in costly litigation and reputational harm. This program helps manage those risks with:
- Coverage for both legitimate and frivolous sexual molestation claims
- Assault & Battery included with the policy
- Limits available up to $5,000,000
Underwriting Notes and Minimums
This is a non-admitted program with streamlined underwriting to speed placement for eligible risks. Key features:
- Flat rate per vehicle for simplified quoting
- A simplified application and quick quote turnaround
- $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, offered on a non-admitted basis. If you have a multistate account or concentrated exposure in higher-risk territories, discuss placement options with the underwriting team.
Why Work With VAIL and Capacity Excess
VAIL specializes in value-added niche solutions and, through Capacity Excess, LLC, provides access to an underwriting team experienced in sexual misconduct and abuse exposures. Agents benefit from focused underwriting, responsive service, and a market that will consider difficult transportation risks other carriers may decline.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program fits 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 program now includes Assault & Battery coverage in addition to sexual molestation protections.
What is the minimum premium for this coverage?
$10,000 minimum premium with a $25,000 minimum retention.
Is this program available in all states?
Yes. The program is available nationwide in all 50 states and Washington, D.C., on a non-admitted basis.
How quickly can I get a quote?
VAIL and Capacity Excess use a simplified application and offer fast turnaround on quotes to help you move quickly for your clients.
Need help placing an account? Connect with a market specialist.