Child sexual abuse and insurance coverage: Avoiding Common Pitfalls

Church Executive

September 30, 2020

By Gregory Love & Kimberlee Norris

Every church — whether it’s multi-campus or a recent plant — deals with insurance coverage.

Ministry leaders tend to gravitate to the least expensive policy options and often lack knowledge about what they should be looking for when securing coverage related to child sexual abuse risk. Unfortunately, this reality is revealed only when an allegation arises.

Clearly, child sexual abuse is a foreseeable risk causing incalculable harm to children, and a ministry’s primary responsibility is to protect children in its care. In addition to implementing an effective safety system (see prior articles in the “Stop Sexual Abuse” Series), simple financial stewardship requires a meaningful evaluation of current insurance relationships, coverages, limits and policy terms.

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