How an Insurance policy can be taken to compensate for a crime?
It is said that Insurance companies shall pay a sector of 660 Million $ paid on behalf of Roman Catholic Archdiocese of Los Angeles to settle Clergy Sex Abuse of children.
I comprehend Insurance on Accidents as accidents do transpire, but sexual abuse is intentional.
Will that not promote the Abusers?
Answers:
There are many different types of insurance, especially corporate insurance. This is most promising a Liability policy that covers the organization against catastrophic financial losses due to the neglegence, criminal behavior and damage done by the organization's employees. While the events that resulted contained by the judgement are horrible, the financial protection of the organization is what is protected by the liability coverage.
Normally, insurance with the sole purpose pays out on the DEFENSE COSTS of a sexual abuse or molestation claim. I've read LOTS of different policy forms, and I've NEVER see one cover anything besides DEFENSE COSTS.
I don't think anyone sick ample to commit those types of acts really considers insurance coverage back they abuse children. The pope motto 'hey we're not the only establishment that has problems beside perversion' is simply not enough coming from an firm that should hold itself out as morally ideal.