Since the mid-1980s, insurance companies have offered sexual misconduct coverage as a rider on liability insurance, and their own studies indicate that Catholic churches are not higher risk than other congregations. Insurance companies that cover all denominations, such as Guide One Center for Risk Management, which has more than 40,000 church clients, does not charge Catholic churches higher premiums. "We don't see vast difference in the incidence rate between one denomination and another," says Sarah Buckley, assistant vice president of corporate communications. "It's pretty even across the denominations." It's been that way for decades. While the company saw an uptick in these claims by all types of churches around the time of the 2002 U.S. Catholic sex-abuse scandal, Eric Spacick, Guide One's senior church-risk manager, says "it's been pretty steady since." On average, the company says 80 percent of the sexual misconduct claims they get from all denominations involve sexual abuse of children. As a result, the more children's programs a church has, the more expensive its insurance, officials at Guide One said.and
Experts disagree on the rate of sexual abuse among the general American male population, but Allen says a conservative estimate is one in 10. Margaret Leland Smith, a researcher at the John Jay College of Criminal Justice, says her review of the numbers indicates it's closer to one in 5. But in either case, the rate of abuse by Catholic priests is not higher than these national estimates. The public also doesn't realize how "profoundly prevalent" child sexual abuse is, adds Smith. Even those numbers may be low; research suggests that only a third of abuse cases are ever reported (making it the most underreported crime). "However you slice it, it's a very common experience," Smith says.
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Priests may also appear more likely to molest children because cases of abuse come to light in huge waves. One reason is delayed reporting: less than 13 percent of victims abused between 1960 and 1980, for example, lodged a complaint in the same year as the assault. Two thirds filed their complaints after 1992, and half of those were made between 2002 and 2003 alone. "Offenders tend to be manipulative, often persuading children to believe that this is their fault," said Allen. "As a result, the children tend to keep it to themselves. There are countless victims who thought they were the only one." So what looks like high concentrations of abuse may simply reflect long and diffuse patterns of abuse that mirror those among all males
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