Recently had to file a report at a state-run insurance and they have a dedicated button on their webpage for “sexualized violence in churches”.
I do wonder, is it the churches themselves that are insured that way? Because surely the victims get paid from the lawsuit, not from insurance.
But either way, that is fucking harrowing that they have a dedicated button for it.
I get that it’s probably just a matter of “we offer insurance for this, so we’ll have a button for it”. But even that someone in a government-near position decided “kids get raped in churches so often, and we expect more cases to happen or be uncovered, so we should add an insurance for that to our portfolio”, that concept just does not fit into my brain.
Former insurance agent here (personal lines, so I never dealt with churches, but still)
They almost certainly are. Liability insurance usually excludes intentional harm (including sexual assault of any kind), however there are usually ways to acquire coverage for those intentional actions. On a personal level, umbrella coverage will provide it.
They likely don’t sell specific “Pastor sexually abusing a child coverage”, that button is more there for the victims/their parents to have an easier time filing a claim. Helpful, but depressing.
Recently had to file a report at a state-run insurance and they have a dedicated button on their webpage for “sexualized violence in churches”.
I do wonder, is it the churches themselves that are insured that way? Because surely the victims get paid from the lawsuit, not from insurance.
But either way, that is fucking harrowing that they have a dedicated button for it.
I get that it’s probably just a matter of “we offer insurance for this, so we’ll have a button for it”. But even that someone in a government-near position decided “kids get raped in churches so often, and we expect more cases to happen or be uncovered, so we should add an insurance for that to our portfolio”, that concept just does not fit into my brain.
Former insurance agent here (personal lines, so I never dealt with churches, but still)
They almost certainly are. Liability insurance usually excludes intentional harm (including sexual assault of any kind), however there are usually ways to acquire coverage for those intentional actions. On a personal level, umbrella coverage will provide it.
They likely don’t sell specific “Pastor sexually abusing a child coverage”, that button is more there for the victims/their parents to have an easier time filing a claim. Helpful, but depressing.