Professional liability generally responds. Confirm the wording, since coverage varies.
Yes. Abuse coverage is typically an endorsement and often sublimited. Confirm it explicitly.
Usually yes. Counseling is a professional service that general liability doesn't cover.
Yes. Licensed and unlicensed pastoral counseling are underwritten differently.
Not always. Confirm whether counseling is included, since many church policies exclude professional services.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
