SAM Insurance Made Simple
Since 2005 Paperless Insurance Services, Inc has been providing Sexual Abuse & Molestation coverage for special events and full‑term programs to all size businesses and individuals, complying with requirements of school districts and local, state and federal government.
Start Your SAM Insurance Quote:
What is SAM Coverage?
Sexual Abuse & Molestation insurance helps protect organizations and event hosts against claims of abuse, molestation, or related misconduct. Even unproven allegations can create significant defense costs and reputational risk. SAM coverage can be written for a single event or as part of an annual policy. Some GL policies have “silent” SAM – unclear inclusion/exclusion – so explicit SAM coverage is recommended.
Protect People: Safeguard participants, volunteers, and staff with clear, documented coverage.
Protect Your Organization: Defense costs and settlements can be significant even if claims are not proven.
Protect Your Mission: Maintain continuity for camps, schools, sports, churches, and nonprofits.
How It Works
A simple, guided process from application to certificate.
1) Apply Online
Tell us about your event or program (5 mins).
2) Review Quotes
We compare A+ carriers and explain your options.
3) Bind & Certify
E‑sign and receive certificates quickly.
Frequently Asked Questions
Do I need SAM if I already have General Liability?
Often yes. Many GL policies exclude or are silent on abuse/molestation. Explicit SAM coverage removes ambiguity and speeds up claims handling.
What is “silent” SAM coverage?
A policy that neither clearly includes nor excludes SAM, leaving coverage uncertain. We recommend specific SAM language by endorsement or standalone.
How fast can I get a certificate?
For many business classes we can provice same‑day COIs once all underwriting questions are answered.
Are volunteers covered?
Yes, policies can extend to volunteers when properly scheduled. We’ll confirm based on your operations.