Annual SAM insurance application

Who needs an annual SAM policy?

Any organization that works with children, students, patients or other vulnerable people on an ongoing basis — schools and after-school programs, camps, youth sports leagues, martial arts and dance studios, tutoring centers, churches, nonprofits, and healthcare providers. School districts and local, state and federal agencies often require proof of SAM coverage before you can sign a contract.

Why a separate SAM limit matters

Many general liability policies exclude sexual abuse and molestation claims, or are “silent” on them, so it's unclear whether they're covered. An explicit SAM limit removes that uncertainty and pays for legal defense even when an allegation is never proven.

Coverage options

Depending on your operations, we can place a standalone SAM policy or a general liability policy with a separate SAM limit. Available limits range from $50,000 up to $10M.

What happens after you apply

1. We review your application and shop it with multiple carriers.
2. You choose the quote that fits your needs and budget.
3. You e-sign the application and pay by card or bank account.
4. Your policy is typically issued within 2 business days, and we send your certificate of insurance right away.

Questions? Call (877) 239-0067 or email [email protected].