Dorhauer bitten by scare tactics
Thursday, November 15, 2007
In an exchange on his own blog regarding churches that recruit ministers outside of the denomination, UCC Missouri Mid-South Associate Conference Minister John Dorhauer claimed that "a pastor not authorized by their denomination will lose the liability portion of their property insurance".
Here is John Dorhauer's full quote in context:
Insurance companies are telling us that any church that calls a pastor not authorized by their denomination will lose the liability portion of their property insurance. Given the payouts insurance companies have made in recent years, ministers are seen more and more as a risk, and Insurance agents are looking for some pretty standard pieces before they are willing to insure against liability. One of those is the endorsement of the [denomination]. One of the results of this is that the Pastoral Referral Network is, without thinking about it, raising the liability risk of individuals who, if they call a pastor not credentialled by their church, become themselves personally responsible for any negligence that could be proved against their pastor.On the surface, this doesn't make any sense. How do the credentials of a minister reflect on their level of risk? Of course, it doesn't - just ask the Roman Catholic Church. This is just common sense... but I wanted to be certain so I asked the clergy on the UCCtruths message board to contact their insurance agents and I placed some calls myself. I couldn't find a single insurance company (including the UCC Insurance Board (UCCIB) and Church Mutual) that use credentials in any way as a determining factor for liability insurance. One insurance agent I spoke with personally at Church Mutual laughed at the idea.
Is this just another scare tactic?
The first lesson for local UCC churches is pretty simple: If you undertake a search and call process outside of the denomination's process, you certainly have additional work as it relates to due diligence... but you probably will not have a problem with liability insurance - simply ask your insurance agent.
The second lesson for local UCC churches: Be suspicious of the scare tactics from your Conference or Association. If John Dorhauer is any example, do your own research before accepting outrageous claims about insurance coverage.
As far as John Dorhauer goes, I think the debate is over.
Update: If you read the comments to this post, you'll see that I'm rightfully reminded that I'm presuming that there is intent by the conferences and associations to use scare tactics. That was too broad a statement and unfair and I need to isolate my concern to John Dorhauer. The point remains, if you have concerns about the accuracy of information you are receiving about insurance, ask your agent.
14 Comments:
We all know emotionally immature people who speak their mind as if it were fact.
At best, he was recycling a rumor. At worst, he fabricated a story to use as a scare tactic. In either event, he is not fit to be an ACM.
"Be suspicious of the scare tactics from your Conference or Association."?!
What scare tactics? When?! Where?! What am I missing?!
Uh, that seems a bit ironic, at leat, in criticizing someone whose primary flaw is creating unfounding suspicions. :-)
I vote for "Be aware of the possible..." :-)
My point is that if someone makes a claim like that about insurance, check with your agent. That seems reasonable, right?
JD is saying that if a local church goes outside the the official search and call process, they may not get liability insurance. That is a scare tactic that simply isn't true.
If your point is if someone makes a claim about anything one should check on it's accuracy, that's not a problem for me.
That misinformation is common and that one might be given that misinformation in UCC conferences is a reason to check accuracy. And if my =misinformed= CM tells someone that if they go outside the established channels it will affect their liability that's not necessarily scare tactics.
My experience in the UCC has not been that AM and CM use scare tactics. I think what you are implying is that there is a good chance that JD is typical. That's kind of a broad brush.
Misinformation may, in fact, abound on this issue but JD's unique/rare in being up to more than simply conveying information. I think it's a mistake to conflate JD with judicatory person who may only be misinformed.
http://www.ucc.org/ucnews/augsep2006/its-time-to-distinguish.html
I am not saying he's a bad person... I'm just saying he's gone off the deep end on this issue. The road to hell is paved with good intentions gone haywire.
R Parsons
Marthasville, MO