Changes to statutes of limitations and recent court decisions are making sexual misconduct liability increasingly difficult to underwrite. In light of anticipated market volatility, we’re taking steps to limit our future exposure to sexual misconduct liability in commercial lines policies.

Coming coverage changes for Custom and Express policies

For new business and endorsements to existing business, on policies with effective dates July 1, 2024, or later, we will no longer offer sexual misconduct liability coverage. Beginning Aug. 1, 2024, a sexual misconduct exclusion will automatically attach to new policies.

For existing business, on policies with renewal dates Oct. 1, 2024, or later, we will be removing sexual misconduct coverage.

For policies with forms that specifically include sexual misconduct liability coverage, policyholders will receive a notice advising them of the change in coverage.
For policies without sexual misconduct liability coverage forms, policyholders will receive a notice letting them know we’re attaching a sexual misconduct exclusion form.

These changes apply to both primary (BOP and general liability) and umbrella policies.

*Note that renewing policies with sexual misconduct liability coverage will continue to be referred to underwriting to ensure they meet underwriting guidelines.

Need to update a policyholder’s address? Add an additional insured or newly purchased piece of equipment?

Now you can service your clients’ inland marine endorsements directly in eCLIQ® without sending an email request to Liberty Mutual. This allows you to provide your clients with a better experience and makes helping them easier and faster than ever.

Submitting the endorsement in eCLIQ results in the endorsement being processed up to one week faster than when you submit an email request. About 80% of the time, your endorsement will be processed immediately. If the request needs to be reviewed by an underwriter, we’ll aim to get back to you within three business days.

How it works
Servicing your own endorsements is easy. In eCLIQ, simply click the hyperlinked inland marine policy name or the arrow to the left of it to open a dropdown menu. Then click Start Endorsement.

More information
For step-by-step guidance on servicing endorsements, check out our agent reference guide. If you have additional questions, check out our on-demand training or call the Agency Interface Support Group at 888-451-8414, Monday through Friday 8 a.m. to 8 p.m. Eastern.

As a reminder, you can also service your own BOP, commercial auto, general liability and workers compensation endorsements without sending an email request. We’ll be rolling out this functionality to additional lines of business in the near future, and we’ll let you know as it’s available.

Doing business with us is even easier with eCLIQ Simple. Check out these recent changes:

Improvements to Driver Information fields: If any drivers on the policy have a compound first or last name (i.e. Sarah-Ann or Sarah Ann), you can now enter their full name using a space or hyphen. Additionally, you can now enter a middle initial and/or select a suffix from a dropdown menu within the Driver Information section, leading to more accurate driver information.
Enhanced trailer selection: Once you enter the VIN, year, make, model and select a trailer type within the Vehicle Information modal, you will see a range of images and descriptions for common trailer styles to choose from, enabling more accurate trailer selection.

If you have questions about any of these changes, please reach out to your underwriter or territory manager.