This practice of self-insuring has allowed the church to develop child protection policies that differ from policies required by major insurance companies. While one could argue that as long as policies are effective it does not matter if they differ from what would be required by an outside insurance provider, one could also argue that the church selects policies that may be less effective because it has the ability to cover damages. If policies are, in fact, inadequate, the fact that they might not be acceptable to outside insurance providers is concerning and could even demonstrate that the church is not sufficiently committed to protecting its own children from sexual predators.