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Emotional Injury

What is Emotional Injury?

Emotional Injury: an impairment to or disorder of the intellectual or psychological capacity of someone as evidenced by observable and substantial reduction in one's ability to function within a normal range of performance and behavior.

More simply put, if someone claims they suffered emotional harm by hearing a sermon or listening to a lesson being taught, this is all that is needed to begin the ugly scenario of going to court without proper coverage and representation.

Where Can Emotional Injury allegations come from?

Pod Casting, Streaming on the web or Web content
Radio and TV
and Many others
Can my school be at risk for such an allegation?

Yes, all is needed is an allegation, true or false is not the issue. An allegation is all that is needed to cause a severe financial resource problem for a school.

How can a School protect itself?

With a solid insurance program that is not silent on this issue. We have the tools available to address this type of concern. Don't overlook the importance of this "tempest" developing within our courts today. The school is a target. Be prepared by addressing this issue upfront.

When someone teaches there is an opportunity for someone to be offended by a student of the school and thereby claim emotional injury.

Contact us to determine what your needs are and how to properly handle them.
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  • "Our experience with HDI has been excellent. Cliff Fortenberry has done a thorough job reviewing and advising our school of coverage- some of which we did not have before we met HDI- so we can be properly protected at the right price."
  • "HDI is not just another insurance company; they are a true ministry partner. Their unique coverage and risk management services help to close coverage gaps that exist in traditional insurance programs.  It is clear to me they are on a mission to glorify God, protect His Church,...
  • "I was very pleased and comfortable getting my insurance through HDI. They answered all my questions completely and in terms I could understand. My calls and questions were all answered in a timely manner. I would recommend HDI to any ministry or school."
  • "Lost Mountain Baptist Church has been a client of Harry Daniel Insurance since 2005. Since we desire to utilize the precious resources God has provided us in the most effective way, we use Harry Daniel Insurance for our insurance needs. They offer highly competitive pricing, outstanding c...
  • "Not only did we get a great price with Harry Daniel Insurance, we also got great service. The staff has always been friendly and happy to help."
  • It is very easy in today's world to be exposed to risk and liability. Without proper insurance coverages, the results of an accident or unexpected event can be devastating. I am thankful that Harry Daniel Insurance was there to help us work through selecting the appropriate insurances and making ...