What Does SAM Stand For?
If you’ve ever asked, “What is SAM?” the answer is Sexual Abuse and Molestation coverage. Sometimes called “Abuse & Molestation” insurance, SAM insurance is a specialized policy designed to protect organizations against claims of sexual abuse and molestation or physical abuse and molestation.
Most general liability policies exclude these risks, leaving organizations vulnerable. Without SAM insurance, defending even one allegation could cost hundreds of thousands of dollars.
What SAM Insurance Covers
A typical SAM policy or endorsement may provide protection for:
- Sexual abuse and molestation – allegations of sexual misconduct, harassment, or exploitation.
- Physical abuse – allegations of non-sexual abuse, harm, or mistreatment. Note that Corporal Punishment is usually excluded from this coverage.
Coverage often includes:
- Legal defense costs
- Settlements and judgments
- Crisis response resources, counseling, and public relations support
Special Event SAM Insurance vs. Full-Term Policies
Not every organization needs year-round coverage. That’s why we now offer two main options:
- Special Event SAM insurance – short-term coverage for a single event (or multiple events up to 90 days long), camp, or gathering. Perfect for organizations that host short term activities but still need protection.
- Full-Term (12-Month) SAM insurance – an annual policy that protects organizations consistently throughout the year. Best for schools, nonprofits, sports leagues, menthal health professionals and all businesses with ongoing operations.
The Cost of SAM Insurance
One of the most common questions is: How much does SAM insurance cost?
- Average starting cost: as low as $300–$500 per year
- Premiums increase depending on:
- Coverage limits chosen
- Type of operations (daycare vs. event organizer, for example)
- Risk controls in place (background checks, supervision policies, training, etc.)
- Whether you need coverage for a single contract or for all your services during the year. Generally, a single contract coverage could cost you 20% less, subject to meeting all eligibility requirements.
Compared to the potential cost of litigation, SAM insurance is a relatively low investment for critical protection.
Silent SAM Coverage – Why It’s Not Enough
Some general liability policies include what is called “silent” SAM coverage. This means the policy does not clearly exclude or include abuse and molestation claims, leaving coverage uncertain.
In practice, this often leads to disputes with insurers when a claim arises. That is why it is strongly recommended to have SAM coverage specifically included in your policy, either by endorsement or through a standalone policy. Clear, documented coverage gives you certainty when it matters most. While we can offer a general liability policy with silent SAM coverage, we recommend that you do not go that route and instead secure SAM coverage either as part of your GL or as a standalone Sexual Abuse or Molestation policy.
Who Needs SAM Coverage?
Any organization working with children, teens, or vulnerable adults should strongly consider SAM insurance, including:
- Schools, preschools, and daycare centers
- Youth sports leagues and after-school programs
- Camps and recreational facilities
- Religious and community organizations
- Healthcare providers, group homes, and elder care facilities
- Any business that contracts with a private or public school or School District
Even with strong policies in place, no organization is immune. One accusation is enough to trigger a costly lawsuit.
Apply for SAM Coverage Today
When asking, “What SAM insurance covers?” the answer is simple: protection against claims of sexual abuse and molestation and physical abuse and molestation.
You can apply for SAM insurance quickly and easily online through our Abuse and Molestation Insurance Application.
Final Thoughts
Whether you need special event SAM insurance or a full-term 12-month policy, SAM coverage protects your organization’s financial stability and reputation. More importantly, it demonstrates your commitment to providing a safe environment for those you serve.
Don’t rely on silent coverage — make sure your SAM insurance is clear, specific, and tailored to your needs.
Have more questions or want to discuss your particlar SAM insurance needs? Call now 877-239-0067 option 1. We are here to take your call weekdays 10 AM – 6 PM Pacific time.