I am a male teacher. I adjusted a female student’s hips. She claimed I lingered too long and touched her inappropriately. She filed a civil suit for sexual battery. I have never been more terrified. I called my insurance, and they asked about “Abuse and Molestation” coverage.
Key Takeaways
- The Exclusion is Standard: Most policies exclude sexual misconduct.
- Defense Costs: You need a policy that provides “Defense” for alleged abuse. Innocent teachers go bankrupt defending themselves.
- “Innocent Party” Coverage: If you own a studio, this protects the business even if the teacher is guilty.
- Consent Protocols: Your best defense is a documented consent process.
The “Why”: The Silent Exclusion
The Trap:
As discussed in the Fitness articles, Abuse & Molestation (SAM) is usually excluded.
If you don’t have the endorsement, the moment the word “Sexual” appears in the lawsuit, the insurance company sends a denial letter.
You must buy the buy-back coverage.
The Investigation: I Quoted 3 Major Carriers
1. West Bend
- My Analysis: They offer SAM coverage with “Defense Outside Limits.” This means the lawyer fees don’t drain the settlement fund.
2. PHLY
- My Analysis: They require background checks. If you are a solo teacher, they will background check you.
3. beYogi
- My Analysis: Includes a sub-limit for abuse defense. But verify the limit—$25k might not be enough for a long trial.
[IMAGE: Graphic showing “Consent Cards” usage]
Comparison Table: Misconduct Defense
| Carrier | Defense Coverage? | Settlement Coverage? | Background Check? |
| West Bend | Yes | Yes | Yes |
| beYogi | Yes | Yes (Sub-limit) | No |
| Standard | NO | NO | N/A |
Step-by-Step Action Plan
- Check Your Policy: Look for “Abuse and Molestation.”
- No Private Rooms: Never teach 1-on-1 behind a closed, windowless door.
- Consent Cards: Use them.
- Background Check Yourself: Keep it on file to show you have nothing to hide.
FAQ
If I am innocent, will they pay?
Only if you have the endorsement. If not, you pay your own lawyer.
Does this cover verbal harassment?
Yes, usually.
Can I countersue for defamation?
Yes, but that’s a separate legal action (see Dispute Resolution).