According to GuideOne, a major insurer for Protestant churches, most of its clients choose $100,000 of coverage for sex abuse. That might cost a small church with one pastor as little as $100 a year. A much larger church that also runs, say, a day-care center, might pay $6,000 to have $1 million in coverage. Religious organizations buying a lot of coverage may need to prove that they're taking precautions to lower the risk of sex abuse. GuideOne, for instance, requires some churches to conduct criminal background checks on employees, to allow volunteers to work with kids only after they've completed six months of service with the church, and to make sure that no child is ever left alone with just one adult. The policy won't cover everything. Insurers may put a limit on how much they will pay in aggregate, or for each case. (Recently, three major Protestant insurers reported that they receive 260 reports of child abuse every year.)
If an organization needs sex abuse insurance, I think it's time to rethink whether that organization should exist at all.
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