Homewood Insurance Warns Healthcare and Social Service Providers: Missing Safeguards Can Cost You SAM Coverage - and Critical Contracts

Naples, FL - September 1, 2025 - Homewood Insurance, a leading brokerage specializing in professional liability coverage for healthcare and senior living organizations, is raising awareness of the growing challenges in securing Sexual Abuse and Molestation (SAM) or Sexual Misconduct Liability (SML) insurance.

Insurance carriers are tightening their standards, and organizations that fall short risk outright denial of coverage. Without SAM protection, facilities often find themselves disqualified from vital contracts, grants, and partnerships.

According to Homewood Insurance, the most common reasons for SAM coverage refusals include:

Absence of Robust Abuse Prevention Protocols - Lack of zero-tolerance policies, background checks, employee training, and clear reporting procedures signals unacceptable risk.

High-Risk or Excluded Business Classes - Entities such as foster care, adoption agencies, dating services, or facilities with heavy pediatric exposure often face exclusions.

Prior Claims History or Nonrenewal - A track record of unresolved allegations or nonrenewals due to SAM claims can shut the door to future coverage.

Jurisdictional and Regulatory Hurdles - States with extended statutes of limitations or high-litigation environments increase claim severity, deterring carriers.

Incomplete or Inadequate Applications - Failure to demonstrate compliance with mandatory reporting laws or provide detailed information can result in denial.

"Too many organizations underestimate the importance of having strong protocols in place before they even apply for SAM coverage," said Ralph Schiller, Senior Broker at Homewood Insurance. "Without it, they're not just risking denial from carriers-they're risking the contracts and partnerships their business depends on."

Homewood Insurance works with multiple carriers willing to write SAM coverage, helping healthcare and social service organizations strengthen their applications, meet underwriting standards, and secure the protection they need.

For more information, visit: https://homewood.insure/sexual-abuse-molestation-insurance/

Homewood Insurance Group
4850 Tamiami Trail N, 3rd Floor
Naples, FL 34103
Phone: +1-947-274-3093
Contact: Ralph Schiller, Senior Broker

Homewood Insurance Group is a specialty insurance agency, focused on serving commercial agents and brokers in the healthcare and senior living sectors. With access to nearly 100 carriers and deep expertise in medical malpractice, general liability, sexual abuse and molestation (SAM), and cyber liability, Homewood helps agents secure tailored coverage solutions for complex risks.

This release was published on openPR.