12-RFP BP-208283 Sexual Abuse and Molestation Coverage - SOW.pdf
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- Attached to
- Sexual Abuse and Molestation Insurance Coverage
- Solicitation number
- BP-208283
- Issued by
- Dallas County, Texas
About this file
The document is a Request for Proposal (RFP) BP 208203 from the Dallas Independent School District's Procurement Services for sexual abuse and molestation insurance coverage, effective September 1, 2025. The RFP seeks qualified and licensed insurance carriers or brokers to provide coverage that can be standalone or part of another policy such as professional liability, general liability, or educator's legal liability. The coverage must address claims arising from sexual abuse or molestation involving various school personnel, including administrators, teachers, bus drivers, board members, and other certified employees, with a minimum per claim/occurrence limit of $500,000 and an annual aggregate minimum of $2,000,000.
Proposers must meet specific qualifications, including being in the insurance business for at least ten years, being duly licensed in Texas, having an A.M. Best rating of at least A- (VII or better), and providing a specimen copy of the proposed policy. The RFP references House Bill No. 4623, which establishes liability guidelines for public schools in cases of sexual misconduct, with potential damages up to $500,000 per claimant. The insurance policy must cover both negligent and intentional acts, provide defense costs outside liability limits, offer vicarious liability coverage, and clearly identify whether the policy is claims-made or occurrence-based.
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RFP BP 208203 Sexual Abuse and Molestation Coverage Scope of Work
Scope of Services The purpose of this Request for Proposal (RFP) is to solicit qualified and licensed insurance carriers and/or brokers to provide sexual abuse and molestation insurance coverage. The coverage can be in a standalone policy or part of another policy such as a professional liability, general liability policy or educator’s legal liability policy.
Effective September 1, 2025, House Bill No. 4623, Chapter 118,Liability of Public Schools and Professional Employees of Public Schools for Certain Acts or Omissions states that, “a public school that is grossly negligent or reckless, or engages in intentional misconduct, in hiring, supervising, or employing a professional school employee is liable for an act or omission that is committed by the employee against a student enrolled in the school and that is sexual misconduct; or failure to report suspected child abuse or neglect under Section 262.101, Family Code. A claimant who prevails in an action under this chapter shall be awarded actual damages in a maximum amount of $500,000 for each claimant.”
The proposer shall provide an insurance policy that includes, at minimum, the following coverage:
• Claims arising from actual or alleged sexual abuse or molestation of students or minors by:
o A superintendent or administrator serving as education leader and chief operating officer, teacher, including a substitute teacher, supervisor, social worker, school counselor, nurse, teacher’s aide employed by a public school o A teacher employed by a company that contracts with a public school or provide the teacher’s services to the school o A student in an education preparation program participating in a field experience or internship o A school bus driver certified in accordance with standards and qualifications adopted by the Department of Public Safety of the State of Texas o A member of the board of trustees of an independent school district or member of a governing body of an open-enrollment charter school o Any other person employed by a public school whose employment requires certification and the exercise of discretion.
• Coverage for both negligent acts and intentional acts
• Defense costs provided outside the limits of liability
• Coverage for vicarious liability
• Per Claim/Occurrence Minimum $500,000
RFP BP 208203 Sexual Abuse and Molestation Coverage Scope of Work
• Annual Aggregate Minimum $2,000,000
• Options for different deductible levels and limit structures
• Clear Identification on whether policy is claims-made or occurrence-based
• Include all endorsements, exclusions and policy conditions
Qualifications
Proposers and/or insurers submitting proposals for this insurance must meet the minimum qualifications:
• Must have been in the insurance business for at least ten (10) years.
• The insurer shall be duly licensed in the state of Texas and comply with all applicable Texas insurance laws and requirements of the Texas State Board of Insurance and have a demonstrated level of good performance with school districts in Texas.
• Insurance companies must have an A.M. Best rating of at least an A-, VII or better. Insurance pools must show their most recent financials and reinsurance carrier ratings.
• All companies and agents submitting proposals must meet the district's insurance requirements for professional service contracts, as indicated in the RFP.
• Must provide a specimen copy of the proposed policy.
Scope of Services
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