There is nothing more infuriating to me than adult predators who exploit and sexually abuse children.
As a former president of the board of a summer camp, it had to pay high premiums for liability insurance. Not for the mud bowl, not for rock climbing or rappelling, not for the pool. It was expensive because of the high number of claims for child molestation in that industry that had to be borne by all the other policyholders. And having the insurance is a must, as one huge claim could wipe out an entire organization.
Sexual predators not only impact the price of summer camp, they also do the same for school districts, juvenile halls, and social services providing foster care. Because some governments have not acquired adequate insurance for those services where employees interact with children, the costs are then borne by the taxpayers within the boundaries of the municipality.
In recent years, to address this abhorrent crime, you and I have become indirectly liable for the perpetrators. All that could be done was to hope that this reprobate behavior was not as prevalent as suspected. However, recent legislation upped the ante.
At a recent “California Insider” networking event, I introduced myself as someone who “predicts train wrecks in slow motion.” In 1994, I accurately predicted the Orange County Investment Pool implosion that led to the largest Chapter 9 bankruptcy filing at that time in United States history. But don’t think I get any joy out of being correct.
Hellbound and Down 