Abuse or Molestation Insurance Sexual Misconduct - NAS Insurance 2025

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  1. Click ‘Get Form’ to open it in the editor.
  2. Begin by entering the 'Name of Applicant' and 'Address' details. Ensure all fields are filled accurately as blank answers will not be accepted.
  3. Select the type of applicant from the options provided, such as Individual, Corporation, etc. If you choose 'Other', please describe it in the space provided.
  4. Fill in the 'Nature of Operations' and 'Year Operations Began'. This information is crucial for understanding your organization's background.
  5. Complete the 'Type of Institution' section by selecting appropriate categories like Residential Care or Educational. Provide revenue estimates for the upcoming year and previous years.
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The cost for SAM coverage usually starts in the $4,000-$5,000 range per year for a $1 million policy limit and increases based on risk and revenue. The riskiest exposures include situations where an adult and a child are alone and activities that include overnight exposures.
Basically, malpractice insurance covers allegations of negligence. It protects the physician if a patient alleges that the physician failed to provide them with the proper treatment, made a mistake during the treatment or omitted an important part of the treatment.
These policies do not cover intentional acts by the doctor or healthcare provider. Sexual abuse of a patient is, by definition, an intentional act. That is why malpractice insurance coverage usually doesnt apply.
Medical malpractice insurance does not cover intentional criminal behavior, such as liability arising from sexual misconduct, crimes against patients, or inappropriate alteration of medical records.
Physicians should be aware of types of claims excluded by their medical professional liability policies, including intentional wrongful acts, fraudulent activity, or sexual misconduct. Some policies provide defense costs for some excluded claims.
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Medical malpractice does not cover liability that arises from sexual misconduct, criminal acts, and inappropriate alteration of medical records.

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