Abuse & Molestation Liability

Abuse & Molestation Coverage for Guided Tour Operators

If your business runs guided off-road tours — especially with minors, youth groups, scouts, camps, or church and school outings — you have abuse and molestation exposure. General liability policies almost universally exclude abuse and molestation claims, leaving a dangerous gap exactly where the stakes are highest. This coverage fills that gap.

Why Guided & Youth Operators Need It

Your guides supervise participants, ride alongside them, help with gear, and are alone with customers on the trail. A single allegation — founded or not — can be financially and reputationally devastating. Many organizations that book group tours (schools, camps, youth programs) now require their vendors to carry abuse & molestation coverage before they'll sign a contract.

What It Covers

• Defense costs: Legal defense for covered abuse/molestation allegations
• Settlements & judgments: Within policy limits, for covered claims
• Third-party and direct claims: Depending on policy form
• Vicarious liability: Claims that you failed to prevent an employee's conduct

Risk Management Goes Hand in Hand

Carriers writing this coverage expect basic controls: background checks on guides, a two-deep leadership / no-one-alone policy with minors, documented training, and clear conduct standards. We help you understand each carrier's requirements so you qualify for coverage and reduce the underlying risk.