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Recent Developments in Lousiana Regarding Insurance

A Louisiana court ruled that a church insurance policy did not provide any coverage for a pastor who was sued as a result of his sexual molestation of a minor girl.

Louisiana
State:
Key point. Church insurance policies often exclude persons who engage in intentional or criminal acts, including sexual misconduct, from any coverage under the policy. Perpetrators of such acts must obtain and pay for their own attorney, and they are personally responsible for paying any portion of a judgment or settlement allocable to their acts. Churches generally are not subject to such exclusions, especially if they are sued on account of their negligence in selecting, retaining, or supervising the perpetrator.

A Louisiana court ruled that a church insurance policy did not provide any coverage for a pastor who was sued as a result of his sexual molestation of a minor girl. The parents of a minor girl sued their pastor and church as a result of the pastor's sexual molestation of the girl. The church had a liability insurance policy designating it as the named insured. In addition ...

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Richard R. Hammar is an attorney, CPA and author specializing in legal and tax issues for churches and clergy.

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Posted:
  • November 1, 1999

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