The market, honestly.
For organizations that work with young people and vulnerable adults, sexual misconduct liability has become one of the hardest covers to buy. Carriers have pulled back, capacity has shrunk, and renewals arrive at multiples of what they were.
There’s a reason: the risk keeps rising, and nothing in the current toolkit changes that. Repricing is the market’s answer, and it’s a short-term one. For the organizations doing the work, the only long-term answer is to change how the risk is managed.
Jigsaw’s purpose is to change the trajectory of sexual abuse risk. That’s why we brought risk management and insurance together in one program, built for organizations working with young people and vulnerable adults — a system that shows how well the risk is being managed and insurance that reflects that.
Three generations of this cover
Traditional CGL-based abuse cover responds when a lawsuit arrives — consequences, after the fact.
Stand-alone SML engages earlier, at the suspicion stage, and helps shape the response.
Jigsaw’s cover reaches the causes. Because it’s connected to a system that manages the risk itself, the work changes what the insurance responds to: protection improves, concerns surface earlier, defensibility is created as the work happens — all of it is recorded in a contemporaneous, date-stamped record and measured by a Governance Maturity Rating.
That’s what bringing them together buys: cover that reflects how well the risk is actually managed.
What the cover includes
Claims-made policies, arranged by Tuckerman Underwriting, a coverholder at Lloyd’s, and underwritten by certain underwriters at Lloyd’s (A+ A.M. Best), featuring:
- A suspicion-stage trigger — coverage engages when a concern first arises
- A dedicated incident response guide
- Defense costs, including for unfounded allegations
- Settlements and judgments
- Cover for employees, volunteers, and contractors
- Per-perpetrator self-insured retention (minimum $5,000 per victim)
- Automatic extended reporting for identified perpetrators
- Expert defense counsel
Two ways in
The Jigsaw Program
For organizations working directly with young people and vulnerable adults: the system, the cover, and specialist support, with coverage terms informed by the evidence your system produces.
Jigsaw Comply
For organizations that need SML cover to satisfy a contract: cover only, a ten-minute application, quotation typically within 24–48 hours.
For Brokers
Wholesale brokers and program partners: contact for distribution and submission requirements. Retail brokers place through their wholesale broker — see how the conversation with your client changes.
The best way to know if Jigsaw fits is through a conversation.
No pitch, just a straight look at what reliable protection would involve for you.