What it does
CG 04 14 09 22 is Sexual Abuse Or Sexual Molestation Liability Coverage, together with CG 04 15 (abuse committed by the insured), CG 04 16 (claims-made) and CG 04 17 (claims-made, committed by the insured). These are coverage grants, used where the CGL otherwise excludes abuse.
Who needs it
Organizations with youth or vulnerable-adult exposure whose contracts, grants or governing bodies require abuse and molestation coverage.
Key provisions and limits
- CG 27 55 provides a supplemental extended reporting period for the claims-made versions.
Quoting and selling notes
- Underwriters will ask about background checks, two-adult rules, training and reporting procedures.
