Host Ron Wadley of Insurance for Texans explains how small Texas churches are being hit hard by insurance market shifts. He uses the story of Nelda, an Austin church secretary to show how small churches are facing steep premium increases and reduced coverage. He notes insurers often define “small” by building size (often under about 15,000 square feet), which affects pricing and available coverage. Wadley outlines essential coverages for small churches: replacement-cost property coverage for buildings and contents, general liability for on-site accidents, directors and officers coverage for volunteer leadership decisions, pastoral liability for counseling-related exposures, and proper commercial auto coverage for church-owned vehicles. He emphasizes avoiding both underinsuring and buying ill-fitting packages by working with a church insurance specialist.

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00:00 Show Introduction

00:35 Nelda’s Renewal Shock

01:45 Why Small Churches Hurt

02:02 What Counts as Small

02:54 Core Coverage Essentials

04:10 Auto and Common Mistakes

04:34 Specialist Help and Fit

05:22 Next Steps and Resources

05:54 Closing Mission Reminder