Many educators’ legal liability (ELL) insurance carriers are amending their policy to specifically exclude acts of sexual/physical abuse and molestation. Underwriters contend that the ELL policy form was never designed to cover claims alleging bodily injury, and that the additional exclusion merely clarifies the policy’s intent that such events are more appropriately covered by a school’s general liability policy. However, such exclusionary wording could have unintended consequences for your ELL policy.