What it does
CG 26 46 excludes "bodily injury", "property damage" and "personal and advertising injury" arising out of (1) the actual or threatened abuse or molestation by anyone of any person while in the care, custody or control of any insured, or (2) the negligent employment, investigation, supervision, reporting (or failure to report) or retention of a person for whom an insured is or was legally responsible and whose conduct would be excluded. For this endorsement, abuse means an act committed with the intent to cause harm.
Who needs it
Texas organizations working with children or vulnerable adults.
Key provisions and limits
- The Texas definition of abuse (intent to cause harm) is narrower than the undefined term in the multistate CG 21 46.
- CG 26 41 is the Texas version limited to specified professional services.
Quoting and selling notes
- Offer sexual abuse and molestation coverage separately.
