Abuse and molestation exposure must be considered when supervision of children is involved. There is never coverage for the abuser. While there is some coverage for the institution where the abuse takes place, it is very restricted. More complete coverage should be purchased for the institution through specialized markets. The institution has a responsibility to take all care possible to protect students from predatory adults and older students through background checks, monitoring and supervision, and reporting all allegations of abuse to the proper authorities. The more vulnerable the potential victim, the more vigilant the institution must be.