An important coverage consideration in the Non-Emergency Medical Transportation (NEMT) industry is Sexual Abuse and Molestation (SAM) coverage. This coverage, typically included as part of a General Liability and/or Professional Liability policy, is designed to protect the policyholder in the event of a claim arising from an allegation of abuse or misconduct during the transportation of a client or as a result of an interaction with a client.
It is essential to review this coverage carefully with your insurance professional. Ensure that the policy does not include a sublimit for Sexual Abuse and Molestation coverage and that the available limits match the policy's full Per Occurrence limits for other key coverages, such as Loading and Unloading and Professional Liability.
Many paratransit brokers, including Modivcare and others, require full limits and may not accept policies that contain reduced sublimits for this exposure. Because not all insurance carriers offer Sexual Abuse and Molestation coverage, it is important to verify that your policy includes the appropriate protection. Securing adequate coverage can help you meet contractual requirements, maintain compliance, and protect your business from potentially significant claims.
Securing Sexual Abuse and Molestation (SAM) coverage is critical for meeting broker credentials, maintaining contract compliance, and protecting vulnerable passengers as well as your business's reputation. Navigating specialized liability endorsements can be complex, but you don't have to do it alone. Connect with Wilk Business Insurance today—reach out to our team to review your contract requirements and secure coverage tailored to your medical transport operations.
