Skip to main content

Sexual Molestation Liability (Safeguard)

Beazley Safeguard is our sexual molestation liability product, combining advanced risk management and proven crisis response services with effective insurance. It is designed to help clients minimize the risk of sexual abuse within their organizations, and to respond effectively if an event occurs. 

What we offer

Beazley Safeguard combines advanced risk management and proactive crisis response services with effective insurance for organizations entrusted with the care of minors and vulnerable adults. Beazley Safeguard is designed to help clients minimize the risk of abuse within their organization, and to respond effectively if an event occurs.

How can we help

An allegation of abuse, whether founded or unfounded, can have potentially disastrous consequences for the affected organization. Perceptions of insensitivity or mishandling can easily compound the error in the eyes of alleged victims, their families, the public and, potentially, the courts.

Who we can help

We will consider submissions from all industries and our experience  
has allowed us to identify six key markets: 

  • Educational institutions 
  • Not-for-profit organizations 
  • Religious institutions 
  • Transportation providers 
  • Healthcare providers 
  • Leisure providers/facilities 

A wide range of companies are increasingly being mandated to purchase sexual molestation liability (SML) coverage via contractual requirements (for example, contractors working on site at a school). General liability policies, many previously silent, now often expressly exclude the coverage, requiring insureds to obtain the cover on a stand-alone basis. 


London Market, USA, Canada and Australia.

The Beazley Difference


Freedom lies in being bold. We dare to be different and seek bold possibilities to create more innovative, fair and satisfying outcomes for our clients, brokers and employees. From insuring the highest building in the world, to the first commercial lunar vehicle to operate on the moon - we boldly go where others won’t.


Good is a start, but we go all-out for better.  A driven community of individuals relentlessly push the needle and creating value. From launching the market’s first dedicated ESG syndicate to the establishment of our business unit focusing on designing digital insurance solutions, we pride ourselves on always going above and beyond.  Simply put, at  Beazley we go to 11.  


Acting with integrity in a straightforward, decent way is instinctive. Open and honest with others, we show respect and empathy however challenging the situation – demonstrated by our multi-award winning claims team.  Doing the right thing makes for a fair-minded, rewarding environment and makes work and life better for all.

Examples or Scenarios

The insured, an educational institute, received allegations of a sexual assault that occurred on its premises. We immediately deployed Safeguard service providers and engaged a crisis management company and a law firm, who were both on site within one day of being contacted. The crisis management company and law firm assisted the insured with the subsequent investigations and the media communication. They also offered counseling to the victim and worked with the family to counsel the victim. 

Your Beazley Team

Denis Panariti

Denis Panariti

Head of Financial Lines – Canada

Toronto, Canada

+1 416 777 6865

Email Denis

Defne Tuncer

Defne Tuncer

Underwriter - Financial Lines, International

Toronto, Canada

(416) 777-6847

Email Defne

Michael Zador

Michael Zador

Underwriter - Financial Lines, International

Toronto, Canada

(416) 777-6887

Email Michael