Host Ron Wadley explains how insurance exclusions can leave Texas churches unexpectedly exposed. He uses a story about Pastor Steve in Midland who is sued after providing pastoral counseling. Steve learns the church’s general liability policy excludes counseling and the church is not covered for this claim because it lacks professional liability coverage. Wadley notes many exclusions aren’t obvious on the declarations page and may not be discussed at renewal. Common gaps in church insurance coverage include claims alleging emotional harm, sexual abuse and molestation, and reduced hail coverage with higher deductibles and roof restrictions. He emphasizes that these gaps are often due to policy design and misunderstanding of church operations. That is why working with a church insurance specialist can align coverage with real ministry risks.

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00:00 Show Introduction

00:25 Pastor Steve Lawsuit Shock

02:05 Counseling Exclusion Explained

02:56 Abuse Coverage Gap

03:39 Hail Limits and Deductibles

04:30 Fixing Gaps With Specialists

05:08 Next Steps and Resources

05:28 Closing Mission Reminder