虐待/性侵责任保险 Abuse & Molestation Liability

关键定义 KEY DEFINITION

Abuse & Molestation Liability 与 Sexual Misconduct Coverage 类似，承保 Organization 因 alleged abuse 的 defense 和 indemnity，Youth Sports、Daycare 和 Religious Organization 常需此 coverage。Standard GL 和 Umbrella 通常有 absolute abuse exclusion——须 buy standalone 或 specialized endorsement。