Church protests insurance rules for sex offenders

MEDFORD, Ore. — An Oregon church is challenging a requirement by its insurance company that it disclose the identity of sex offenders to other congregants, allow offenders to attend only one predetermined service and assign them an escort.

Pastor Chad McComas of Set Free Christian Fellowship in Medford said his church disclosed that known sex offenders were among the 100 members. Church Mutual insurance company on May 1 responded with a letter outlining requirements to continue an insurance policy.

Besides announcing disclosing the names of sex offenders, limiting them to one service and providing escorts, the church is required to keep sex offenders out of child or youth programs.

McComas told the Mail Tribune that the rules will have a chilling effect on disclosure.

The rules lump an 18-year-old convicted of abuse for sex with his 17-year-old girlfriend with more serious abusers. The rules will encourage abusers to go underground, he said.

“Where does that line go? They’re throwing everyone in the same boat,” McComas said.

Church Mutual insures more than 100,000 religious organizations and has covered nearly 5,000 sex-related claims since 1984, said Patrick Moreland, vice president of marketing for Church Mutual.

The rules were developed by attorneys and are designed to protect the organization from the “legal hot water” of sexual misconduct and molestation claims, he said. They also protect potential victims, Moreland said.

“Our No. 1 goal is to protect our churches and our children,” Moreland said.

McComas said he doesn’t want his church to have the reputation as “the sex-offender church” but the issue is about principle and what’s possible.

“We deal with a lot of members who have addiction backgrounds. That’s part of who we serve. But that’s not all of who we serve,” McComas said. “We know who our members are. We are being careful and diligent. But how often are we going to have to tell the congregation that someone is a sex offender? The congregation changes all the time.”

The Rev. Pam Shepherd of the First Congregational United Church of Christ in Ashland said churches must keep children and youth safe. Her church is insured and performs background checks on all Bible school teachers, youth ministers and others who deal with minors. No one in their congregation has disclosed any sex crimes. Shepherd said, however, she has never seen a letter like the one McComas received.

“There are no known sex offenders coming to our church,” Shepherd said. “But if all sex offenders glowed orange, people might be surprised to see who they are sitting next to.”

Convicted sex offender Dave Schmidt, 66, said he attends Set Free services to worship, not to seek out additional victims.

If he’s driven out of Set Free by insurance company policies, he said, he will simply go to new churches, one week at time if necessary.

Talk to us

> Give us your news tips.

> Send us a letter to the editor.

> More Herald contact information.

More in Local News

Traffic moves around parts of the roundabout at the new I-5/SR529 interchange on Tuesday, July 22, 2025 in Marysville, Washington. (Olivia Vanni / The Herald)
WSDOT delays opening of Marysville interchange, ramps

Supply chain issues caused the agency to push back opening date. The full interchange and off ramps are expected to open in October.

Stanwood pauses Flock cameras amid public records lawsuits

A public records request for Flock camera footage has raised questions about what data is exempt under state law.

A Link train passes over a parking lot south of the Lynnwood City Center Station on Monday, Aug. 12, 2024 in Lynnwood, Washington. (Olivia Vanni / The Herald)
Construction to close parking spots at Lynnwood Link station

Fifty-seven parking spots out of the nearly 1,700 on-site will be closed for about two months.

Provided photo 
Michael Olson during his interview with the Stanwood-Camano School District Board of Directors on Sept. 2.
Stanwood-Camano school board fills vacancy left by controversial member

Michael Olson hopes to help bring stability after Betsy Foster resigned in June.

Traffic moves along Bowdoin Way past Yost Park on Monday, Aug. 25, 2025 in Edmonds, Washington. (Olivia Vanni / The Herald)
A new online tool could aid in local planning to increase tree coverage

The map, created by Washington Department of Natural Resources and conservation nonprofit American Forests, illustrates tree canopy disparities across the state.

Logo for news use featuring Snohomish County, Washington. 220118
Snohomish PUD preps for more state home electrification funding

The district’s home electrification rebate program distributed over 14,000 appliances last year with Climate Commitment funds.

Logo for news use featuring the municipality of Everett in Snohomish County, Washington. 220118
One person dead in single-vehicle crash on Wednesday in Everett

One man died in a single-vehicle crash early Wednesday morning… Continue reading

Logo for news use featuring Snohomish County, Washington. 220118
AG sues owner of bikini barista stands in Snohomish County

Lawsuit alleges Jonathan Tagle subjected workers to sexual harassment, retaliation and wage theft.

The Everett City Council listens as Casino Road residents share their concerns about possible displacement and rent increases on Wednesday, April 16, 2025 in Everett, Washington. (Olivia Vanni / The Herald)
Everett presents options to close 2026 budget gap

The city could use one-time COVID relief funds as a significant balancing measure to prevent a $7.9 million general fund deficit.

Outside of Compass Health’s new Marc Healing Center building along Broadway on Wednesday, Sept. 17, 2025 in Everett, Washington. (Olivia Vanni / The Herald)
Compass Health to open new Everett health care center

The $71.5 million facility, 7 years in the making, is set to provide both voluntary and involuntary behavioral health treatment by the end of 2025.

Logo for news use featuring Snohomish County, Washington. 220118
Public hearing on North Lake annexation extended

The Snohomish North Lake annexation public hearing started as scheduled… Continue reading

Customers walk in and out of Fred Meyer along Evergreen Way on Monday, Oct. 31, 2022 in Everett, Washington. (Olivia Vanni / The Herald)
Everett council rebukes Kroger for plans to close Fred Meyer store

In the resolution approved by 6-1 vote, the Everett City Council referred to store closure as “corporate neglect.”

Support local journalism

If you value local news, make a gift now to support the trusted journalism you get in The Daily Herald. Donations processed in this system are not tax deductible.