Physical and sexual abuse claims
Sensitivity, empathy and integrity
“We are committed to handling all claims made by victims and survivors against the organisations we insure with sensitivity, empathy and integrity.” Mark Hews, Group Chief Executive
We insure a broad range of businesses and organisations against many eventualities, principally under our property-related insurance policies and our liability insurance policies. Claims made against the organisations we insure involving physical and sexual abuse (PSA) are typically insured under public liability policies*.
In practice, handling PSA claims made against the organisations we insure is a small fraction of the overall claims we handle. Claims involving PSA represented just 0.4% of all the claims we handled in 2015 and only 5.5% of all public liability claims that year.
Nevertheless, managing claims involving PSA is an area that we believe is exceptionally important, demanding particularly sensitive, careful and experienced consideration by a specialist team.
We take this responsibility very seriously and believe our approach to the claims management process is setting the industry standard. We want to make our guiding principles for handling PSA claims understandable and available to all.
*Cover against insured organisation's legal liability to pay damages arising out of claims made by members of the public who have suffered injury [or damage to property] during the period of insurance caused either in connection with the business or by its products.