Company Warns That Churches May Lose Insurance if They Don’t Perform Gay Marriages

by Warner Todd Huston | July 9, 2015 3:21 pm

This is the next step in the end of religious liberty in America. Now a company that insures churches is warning that if they don’t perform gay marriages and are sued over it, their liability insurance policy won’t cover the lawsuit.

Once word of this[1] gets out, militant gays will begin to target churches with lawsuits forcing them to either go bankrupt and shut down of go against their religious principles and perform gay marriages.

Churches, like virtually every functioning corporation, protect against liability risks and the potentially ruinous costs of litigation through liability insurance. With same-sex marriage now recognized as a constitutional right — and with news of Oregon’s Bureau of Labor and Industries awarding a lesbian couple $135,000 in damages for “emotional, mental and physical suffering” after a Christian bakery refused to bake their wedding cake — pastors are reaching out to insurance companies to make sure they’re covered. And at least one insurer has responded with a preemptory denial: no coverage if a church is sued for refusing to perform a same-sex wedding.

On July 1, David Karns, vice president of underwriting at Southern Mutual Church Insurance Company (which “serve[s] more than 8,400 churches”), wrote an “all states” agents’ bulletin addressing same-sex marriage. It begins: “We have received numerous calls and emails regarding the Supreme Court’s ruling on same-sex marriages. The main concern is whether or not liability coverage applies in the event a church gets sued for declining to perform a same-sex marriage.” Karns continues:

“The general liability form does not provide any coverage for this type of situation, since there is no bodily injury, property damage, personal injury, or advertising injury. If a church is concerned about the possibility of a suit, we do offer Miscellaneous Legal Defense Coverage. This is not liability coverage, but rather expense reimbursement for defense costs. There is no coverage for any judgments against an insured.”

In other words: Churches, you’re on your own. (National Review has tried to reach Mr. Karns and Southern Mutual’s corporate office, and they have not yet returned our calls.)

Gays aren’t happy to have “won” the argument at the Supreme Court. Their goal is to push their lifestyle in your face in every part of your life.

The militancy of three percent of the population makes a tyranny of the minority.

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