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

Darryl Dyck file photo
Mohammed Asif, an Indian national, conspired with others to bill Medicare for COVID-19 and other respiratory tests that hadn’t been ordered or performed, according to a U.S. Department of Justice press release.
Man sentenced to 2 years in prison for $1 million health care fraud scheme

Mohammed Asif, 35, owned an Everett-based testing laboratory and billed Medicare for COVID-19 tests that patients never received.

Snohomish County Fire District No. 4 and Snohomish Regional Fire and Rescue responded to a two-vehicle head-on collision on U.S. 2 on Feb. 21, 2024, in Snohomish. (Snohomish County Fire District #4)
Family of Monroe woman killed in U.S. 2 crash sues WSDOT for $50 million

The wrongful death lawsuit filed in Snohomish County Superior Court on Nov. 24 alleges the agency’s negligence led to Tu Lam’s death.

Judy Tuohy, the executive director of the Schack Art Center, in 2024. (Olivia Vanni / The Herald)
Director of Everett’s Schack Art Center announces retirement

Judy Tuohy, also a city council member, will step down from the executive director role next year after 32 years in the position.

Human trafficking probe nets arrest of Calif. man, rescue of 17-year-old girl

The investigation by multiple agencies culminated with the arrest of a California man in Snohomish County.

A Flock Safety camera on the corner of 64th Avenue West and 196th Street Southwest on Oct. 28, 2025 in Lynnwood, Washington. (Olivia Vanni / The Herald)
Everett seeks SnoCo judgment that Flock footage is not public record

The filing comes after a Skagit County judge ruled Flock footage is subject to records requests. That ruling is under appeal.

Information panels on display as a part of the national exhibit being showcased at Edmonds College on Nov. 19, 2025 in Lynnwood, Washington. (Olivia Vanni / The Herald)
Edmonds College hosts new climate change and community resilience exhibit

Through Jan. 21, visit the school library in Lynnwood to learn about how climate change is affecting weather patterns and landscapes and how communities are adapting.

Lynnwood City Council members gather for a meeting on Monday, March 17, 2025 in Lynnwood, Washington. (Olivia Vanni / The Herald)
Lynnwood raises property, utility taxes amid budget shortfall

The council approved a 24% property tax increase, lower than the 53% it was allowed to enact without voter approval.

Lynnwood
Lynnwood hygiene center requires community support to remain open

The Jean Kim Foundation needs to raise $500,000 by the end of the year. The center provides showers to people experiencing homelessness.

Logo for news use featuring Snohomish County, Washington. 220118
Vending machines offer hope in Snohomish County in time for the holidays.

Mariners’ radio announcer Rick Rizzs will help launch a Light The World Giving Machine Tuesday in Lynnwood. A second will be available in Arlington on Dec. 13.

UW student from Mukilteo receives Rhodes Scholarship

Shubham Bansal, who grew up in Mukilteo, is the first UW student to receive the prestigous scholarship since 2012.

Roger Sharp looks over memorabilia from the USS Belknap in his home in Marysville on Nov. 14, 2025. (Will Geschke / The Herald)
‘A gigantic inferno’: 50 years later, Marysville vet recalls warship collision

The USS Belknap ran into the USS John F. Kennedy on Nov. 22, 1975. The ensuing events were unforgettable.

Large logs flow quickly down the Snohomish River as the river reaches minor flood stage a hair over 25 feet following an overnight storm Saturday, Nov. 5, 2022, in Snohomish, Washington. (Ryan Berry / The Herald)
‘Substantial’ atmospheric river brings flooding threat to Snohomish County

The National Weather Service has issued a flood watch as an atmospheric band of water vapor arrives from the tropics Monday.

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.