The intent of this coverage is to respond to allegations of sexual abuse.

This should not be confused with sexual harassment, which is more appropriately insured under a directors and officers policy.

Some insurers claim that this coverage is included in their general liability insurance because the policy does not specifically exclude improper sexual conduct, but relying on a general liability policy is a risk that may provide no coverage for employees and volunteers who may be unfairly accused. Unless this coverage is purchased as a separate policy, specifically providing coverage for improper sexual conduct, you will likely not have any coverage for your innocent employees or volunteers.