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.