A former students who works for a firm that does background checks tells me that drug users like to work in hospitals, rapists in occupations that get them into homes, and pedophiles in schools.
And now insurance agents are being told that the "target" markets for "sexual misconduct insurance" are: Religious institutions, Educational institutions, Leisure services including camps, recreation centers, outdoor activity companies, spas resorts, and Healthcare organizations and social services.
This is an interesting manifestation of adverse selection.
I don't want to think about the moral hazard.
And now insurance agents are being told that the "target" markets for "sexual misconduct insurance" are: Religious institutions, Educational institutions, Leisure services including camps, recreation centers, outdoor activity companies, spas resorts, and Healthcare organizations and social services.
This is an interesting manifestation of adverse selection.
I don't want to think about the moral hazard.
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