I don't see why the insurers should have had to pay anything after the first offense per individual. I also don't see why the insurers didn't lean on the archdiocese and say, "Keep this one away from kids -- we're not paying for him again."
Insurers aren't the list bit shy about insisting that ordinary policyholders minimize risk.
That's a very good point. I do dog rescue in my spare time and we often have to deal with insurance companies who cancel homeowners insurance because of dog bites. They have threatened to cancel even where a stranger was bitten when, without permission, he climbed a fence into someone's back yard. (Seems to me the dog should have received a medal rather than a reprimand).
Yet, when it came to rapist priests, the insurance people seemed to look the other way and continued coverage. I don't have a heck of lot of sympathy for the insurance companies if that is what happened.
Most likely they are Catholic. Only a Catholic would defend this and allow it to continue to save some imaginary image of this church as being righteous. Oh, I know, ANY criticism, even when justified as in this situation is "bashing". It just goes to show you just how some will blindly defend evil.