Specialised coverage for community, healthcare, and education organisations protecting businesses, providing victim redress, and supporting prevention efforts.
Abuse Liability Insurance
As a part of our service offering to healthcare and adjacent sectors, HARM can assist your business with establishing Abuse or Molestation Liability Insurance.
Abuse Liability Insurance is commonly held by businesses in the community, healthcare, and education spaces, amongst others, who work with vulnerable groups such as children, the disabled, or the elderly.
Service providers are experiencing changing conditions such as increased regulatory requirements and limited insurer participation, leading to both greater needs, and greater difficulty, in obtaining cover.
At HARM, we maintain relationships with the insurers still active in this space and understand the specific underwriting requirements and risk management expectations that can help secure coverage at competitive rates.
Coverage for the business for defence costs, damages, and other expenses arising from alleged and actual cases of abuse. Defence costs are extended to the accused individual until the point they are deemed to be a perpetrator, at which point coverage is revoked.
By providing a legally accountable entity (the insured and insurer), victims are granted an important opportunity for redress, with the policy coverage allowing for payments of damages and victim support services for those impacted.
Policy holders gain access to valuable resources and training allowing them to proactively mitigate instances of abuse within their own communities, and take vital steps towards prevention.
In support of communities across Australia, we have pledged to donate 10% of our earnings from each Abuse/Molestation Liability policy to Bravehearts a leading Australian organisation providing prevention, support, and advocacy to those impacted, as well as crucial efforts to prevent occurrences in our communities.
Learn about Bravehearts →Why HARM
We maintain active relationships with the insurers still participating in this space a market where insurer access is increasingly limited and requires specialist knowledge to navigate.
We understand the specific underwriting requirements and risk management expectations of insurers in this space helping present your organisation in the strongest light possible.
Beyond broking, we are genuinely committed to supporting the communities served by our clients. Our Bravehearts pledge reflects the values we bring to every engagement in this space.
Get in Touch
Believe HARM may be the right fit for your business? Provide your details and we will contact you shortly. Alternatively, reach out to one of our team directly.