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Faith, Stewardship, & Insurance: Protecting Texas Churches
Faith, Stewardship, & Insurance: Protecting Texas Churches episodes
- Should My Texas Church Bundle Insurance for Our Nonprofit Ministries?Host Ron Wadley of Insurance for Texans discusses bundling insurance products for nonprofit ministries that are operated by Texas Churches. Wadley explains that many church general liability policies were written for limited church activities and may not cover expanded community programs. He notes that risks increase when outreach programs are separate 501(c)(3) entities because they are not covered by the church’s insurance policy. Wadley recommends creating a custom insurance bundle that coordinates property, general liability, commercial auto, and leadership protections while explicitly naming and covering both the church and its distinct nonprofit ministries.Connect with our church insurance team at insurancefortexans.comDownload your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com00:00 Show Introduction00:34 Why Churches Serve01:00 Ministry Spaces Tour01:36 Hidden Liability Gaps02:39 Insurance New Normal03:17 Separate Entity Risks03:58 True Bundle Solution04:24 Specialist vs Lazy Agent05:01 Call to Action05:36 Final Encouragement7 min
- Strategic Ways for Small Churches to Save on Insurance Premiums in TexasHost Ron Wadley addresses Texas small church leaders facing steep insurance renewal increases. He explains that storm losses and rising costs have shaken Texas property and casualty insurance, prompting carriers to exit, raise rates, and tighten underwriting. This has left small congregations feeling abandoned. Wadley notes a shift in the 2026 market as new insurers enter Texas. They are selective and reward churches that document risk management. He also recommends strategic policy structures—such as higher wind and hail deductibles and tools like hail buy-down policies—to reduce premiums.Connect with our church insurance team at insurancefortexans.comDownload your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com00:00 Show Introduction00:35 Sticker Shock Story01:47 Why Rates Spiked02:27 New Market Opportunity02:55 Prove Your Risk03:29 Deductible Strategy04:27 Choose Specialists05:05 Call to Action05:31 Closing Message6 min
- Cheap Texas Church Insurance Isn't Always BetterHost Ron Wadley of Insurance for Texans explains why Texas church finance committees should look beyond lower premiums and focus on total cost of risk. Using a story of Steven, a Fort Worth church leader tempted by a friend’s 15% insurance savings, the episode highlights questions about reduced limits, changed roof coverage, and hidden deductibles. Wadley notes the Texas church insurance market is shifting with some carriers reducing church property coverage or leaving the state all together. And there are newer companies who compete on price. He warns that cheaper policies may have hidden language that would lead to costly out of pocket expenses when you file a claim.Connect with our church insurance team at insurancefortexans.comDownload your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com00:00 Show Introduction00:41 Budget Pressure Story01:43 Questions About Cheaper02:26 Texas Market Shifts03:24 Hidden Policy Traps04:32 Total Cost Of Risk04:43 Next Steps And Closing6 min
- How to Compare Church Insurance Policies in 2026Host Ron Wadley of Insurance for Texans explains why comparing church insurance proposals in Texas for 2026 can paralyze finance committees. He illustrated this concept by using the story of Len, who is a church finance chair comparing three insurance quotes. Wadley notes the market now has more carrier options and competition, but policies may hide reduced protection in fine print. Quotes often differ because agents use different processes, carriers, and coverage forms, including admitted versus non-admitted surplus lines carriers. He highlights three common “gotchas” to check: roof coverage changes from replacement cost to actual cash value or roof sub-limits/schedules, third-party facility exclusions for weddings or community use (especially when fees are charged), and whether legal defense costs are inside or outside liability limits.Connect with our church insurance team at insurancefortexans.comDownload your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com00:00 Show Introduction00:28 The Renewal Dilemma00:41 Len’s Quote Confusion02:16 Why Quotes Don’t Match03:39 Three Common Gotchas03:51 Gotcha One Roof Limits04:26 Gotcha Two Facility Exclusions04:49 Gotcha Three Defense Costs05:24 Choose an Advisor05:33 Resources and Closing7 min
- Texas Church Insurance: Protection for Your Building and Your PeopleHost Ron Wadley of Insurance for Texans explains the two core pillars of church insurance for Texas churches: structural property protection and comprehensive liability coverage. Using the story of Leslie, a Waco church leader seeking insurance to secure a bank loan for a new building, the episode breaks down key terms and needs. Property insurance protects buildings and church personal property from perils like fire, storms, theft, and vandalism. Ron also discusses the differences between replacement cost value and actual cash value. Liability coverage includes general liability for on-premises accidents, pastoral liability for counseling-related risks, sexual misconduct liability, and D&O insurance for elders, deacons, and trustees.Connect with our church insurance team at insurancefortexans.comDownload your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com00:00 Show Intro00:25 Why Insurance Matters01:40 Two Pillars Overview02:08 Property Insurance Basics02:41 Valuation and Roof Claims03:15 Specialized Gear Coverage03:29 Liability Insurance Basics04:00 Pastoral and Misconduct Risks04:37 D&O for Church Leaders04:59 Stewardship and Next Steps05:37 Closing Message7 min
- Insurance for Church Operated Private Schools in TexasHost Ron Wadley of Insurance for Texans explains why a Texas church’s existing insurance typically does not automatically cover a church-run private school. Operating five days a week and working with students adds liability exposures that churches don’t typically face. Using the example of Beth, a new headmaster preparing an Austin church campus for a school, the episode outlines the specialized coverage a private school needs. Wadley recommends a standalone private school insurance policy and adding the church as an additional insured. This protects the church from school-related claims while keeping financial structures separated.Connect with our church insurance team at insurancefortexans.comGet your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com00:00 Show Introduction00:26 A School Dream Begins01:14 New Risks Emerge01:45 Church Policy Gaps02:41 Essential School Coverages03:18 Best Practice Setup03:53 Get Expert Help04:38 Closing Reminder6 min
- Small Texas Churches Can Still Face Big Church LiabilitiesHost Ron Wadley of Insurance for Texans explains that small Texas churches can face the same costly lawsuits as large churches. They also often have greater exposure due to heavy reliance on volunteers and fewer formal policies. Through the example of Amy, a children’s ministry director near Lubbock, the episode highlights how legal defense costs don’t depend on church size or budget. Wadley outlines key coverages in a customized church liability plan: general liability for on-site injuries and property damage, pastoral liability for counseling-related claims, abuse and molestation liability, and directors and officers (D&O) insurance to protect board members’ personal assets.Connect with our church insurance team at insurancefortexans.comDownload your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com00:00 Show Introduction00:26 Small Church Big Risks00:39 Amy's Wake Up Call02:23 Why Size Doesn't Matter03:11 Beyond Cheap Policies03:29 General Liability Basics03:55 Pastoral Counseling Coverage04:14 Abuse Molestation Coverage04:23 Board Protection D&O04:48 Build a Custom Plan05:08 Next Steps Resources05:42 Closing Reminder7 min
- Is Your Church's Safety Team Trained in Deescalation?Host Ron Wadley concludes a church safety series by explaining how to build a hospitality-first safety team for Texas churches. He contrasted an armed, reaction-focused model with a safety ministry centered on welcoming, observing, and protecting. He recounts an Austin-area incident where safety team member Stacy calmly de-escalated an angry man during a Sunday morning service. Wadley discusses how churches must train volunteers to recognize common disruptions and use protocol-driven verbal de-escalation. He notes insurers ask about and value documented de-escalation training and require clear protocols before extending liability coverage.Connect with our church insurance team at insurancefortexans.comDownload your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com00:00 Show Introduction00:26 Hospitality First Safety00:40 Austin Disruption Story01:26 Stacy De Escalates02:47 Safety Ministry Model03:07 Training And Protocols03:50 Insurance And Liability04:47 Hospitality First Blueprint04:56 Resources And Closing6 min
- Does Your Church's Liability Insurance Exclude Firearms Coverage?Host Ron Wadley of Insurance for Texans explains that forming an armed volunteer security team changes a Texas church’s financial future because it changes the church’s risk profile. An armed safety team may not be covered by a standard general liability policy. Using a board-meeting story from an Abilene church, he highlights how some policies include firearms exclusions, strict limits on security activities, or require extensive underwriting before covering an organized safety ministry. Once a church designates members as security personnel with posts, procedures, or badges, insurers want to know selection criteria, background checks, training, and documentation. Wadley notes that even well-intended, heroic actions can still lead to costly lawsuits and stresses verifying coverage rather than assuming protection.Connect with our church insurance team at insurancefortexans.comDownload your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com00:00 Show Introduction00:26 The Big Coverage Question00:38 Board Meeting Story01:58 Insurance Reality Check02:43 How Underwriters See Risk03:45 Good Intentions Still Get Sued04:21 Firearms Exclusions Explained05:06 Verify Coverage Next Steps05:45 Closing Reminder7 min
- How to Build a Church Safety Team in TexasHost Ron Wadley of Insurance for Texans examines what qualifications volunteer church security members actually need in Texas. He illustrates this with a Lubbock church where a passionate armed volunteer with a known temper was declined to serve on the team. Through a formal screening process of background checks, references, and character standards, they found this person to be unsuitable for the team. The episode stresses that temperament, deescalation skills, and calm judgment matter most for church safety team volunteers. Most incidents involve disputes, disruptive visitors, domestic conflicts, medical emergencies, or mental health episodes rather than weapons. Wadley recommends comprehensive ongoing training in use-of-force laws, communication, child protection, and mass-trauma response, and offers USCCA-supported frameworks and risk assessments.Connect with our church insurance team at insurancefortexans.comDownload your free copy of our book, The Promise of Certainty at thepromiseofcertainty.com00:00 Show Introduction00:25 The Key Question00:35 Frank’s Cautionary Tale02:36 Why Temperament Matters04:00 Character First Screening04:26 Training Beyond Firearms05:14 Stewardship and Next Steps05:51 Closing Reminder7 min
About Faith, Stewardship, & Insurance: Protecting Texas Churches
From the publisher's feed
Helping church leaders, pastors, and administrators understand the basics of Texas Church insurance and how they can mitigate risk while maximizing the reach of their mission.