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Sexual abuse and molestation coverage (SAM) Coverage for Moving & Storage, Middle Mile and Last Mile Delivery businesses is offered by PPIB (Professional Program Insurance Brokerage) in partnership with SPG Transportation.
SAM is a specialized liability insurance that protects organizations against financial losses and legal claims arising from alleged sexual misconduct by employees or representatives of a business. Standard Commercial General Liability (CGL) policies explicitly exclude coverage for sexual abuse, assault, and intentional criminal acts.
What It Covers
SAM policies respond to high-severity claims and typically cover the following:
- Legal Defense Costs: Attorney fees, court costs, and expert witnesses, even if allegations are unfounded or groundless.
- Settlements and Judgments: Financial damages awarded to victims or paid in a negotiated settlement, up to your policy limits.
- Organizational Negligence: Coverage if the organization is sued for “wrongful acts” like negligent hiring, failure to adequately supervise, or failure to properly vet an employee or volunteer.
- Crisis Management: Support for public relations, communications, and reputation management following an allegation.
Why SAM Coverage is Important for Transportation Companies Crossing the Threshold
GL policies often do not include SAM Coverage. Even if not excluded, this loss cause is often not covered due to various definitions and the view of intentional acts. For moving & storage and last mile delivery businesses, this creates a gap in coverage and may not be compliant with van lines, franchisees, property owners, condo associations or others you do business with.
- Financial Risk — one allegation, proven or not, can be financially devastating
- Situational Risk — employees are entering homes, offices and other facilities
- Access Requirements — for campus and commercial buildings
- Contract Compliance — with van lines, franchisees, property owners, condo associations and other businesses
Eligibility
SPG Transportation customers with employees over 18 and are US citizens:
- Moving & Storage
- Last Mile Delivery
- Middle Mile Delivery
Coverage Highlights
- Legal defense costs covered from day one — regardless of outcome
- Up to $1M/$3M Limits
- Excess Liability available
- Low premiums
- All 50 states
- ePlace Solutions included with every policy
- 20+ employee training modules
- One-click criminal & sex offender registry screening
- 24/7 reporting hotline & prevention resources
- Unlimited expert helpline for management
About PPIB (Professional Program Insurance Brokerage)
At PPIB, we don’t just offer insurance—we create it. Since 1993 we have been dedicated to designing, placing, and managing program business for niche industries and underserved markets. With deep expertise across excess and surplus lines, admitted markets, and alternative risk solutions, PPIB partners with managing general agents, program administrators, and retail brokers to deliver tailored coverage that standard markets cannot accommodate. Our team combines underwriting insight with broad carrier relationships to provide clients with competitive, scalable programs built for the risks that matter most to their business. Fast forward more than 30 years, and we’re still at the forefront of insurance innovation.