Faith, Stewardship, & Insurance: Protecting Texas Churches

Faith, Stewardship, & Insurance: Protecting Texas Churches

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.

Episodes

November 13, 2025 4 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the importance of church auto insurance. Highlighting a real-life scenario where a church van was involved in a fender-bender, this episode underscores the necessity of proper insurance coverage for church owned vehicles. Ron talks through both preventative measures and appropriate insurance coverage. Do you have the right auto...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance For Texans discusses the importance of having a violent response plan for your church. He emphasizes the need for advanced preparation, including lockdown and evacuation procedures, clear communication channels, defined roles and responsibilities, and regular training and drills. The episode also covers the sensitive topic ...
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In this episode of Faith Stewardship and Insurance, Ron Wadley of Insurance for Texans, delves into important considerations for churches hosting overnight youth events. Focusing on the necessity of special event insurance for offsite activities, Wadley highlights potential gaps in standard church policies and the importance of temporary event insurance. The episode also covers preventative measures, including parental waivers, bac...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley kicks off a series discussing things that most churches don’t think about until it is too late. He shares a personal story about an incident at his own church involving suspicious activity and how it highlighted the need for preparedness. Key topics include the importance of risk assessments, consistent background checks, clear policies a...
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In the final episode of the special series on health insurance for Texas churches, host Ron Wadley from Insurance for Texans discusses the benefits of catastrophic health insurance. He explains how this affordable and often misunderstood insurance option can be a practical and compassionate solution for small churches with tight budgets and minimal staff. Through the story of Tim, an elder managing finances at a small church in Lub...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses healthcare options tailored for small churches with tight budgets. Focusing on their need to provide for staff's healthcare, Ron outlines three affordable solutions: health sharing ministries, catastrophic health insurance, and supplemental health plans. The podcast highlights the practical benefits and trade-offs of each option...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses a cost-effective health insurance solution for smaller churches. Self-funded health insurance with stop-loss protection may be a more affordable way for your Church to provide staff benefits. The episode explores how self-funded plans work, their benefits compared to traditional insurance, and the role ...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses affordable ways churches can provide health benefits to their staff without breaking the budget. The episode explores three key types of supplemental health insurance: accident insurance, critical illness insurance, and indemnity insurance. By offering these options, churches can show their staff that t...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley of Insurance for Texans breaks down the benefits of catastrophic health insurance for churches in Texas. With rising health insurance costs, many churches find it challenging to provide traditional coverage. Ron explains how catastrophic plans can significantly reduce premiums, offer staff more control over their healthcare choices, and p...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, hosted by Ron Wadley of Insurance for Texans, the critical misconceptions surrounding 'full coverage' in church insurance are dissected. Ron highlights the story of Pastor Mark from Abilene, who faced a painful revelation about his insurance policy when a lawsuit was filed against his church. He delves into three major 'almost truths': the illusion of fu...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the need for comprehensive liability insurance to prevent church funds from being drained by legal fees. Highlighting the real-life example of Pastor David’s church facing costly legal challenges, the episode emphasizes the importance of having a policy that includes defense coverage. Ron outlines three key benefits of such a po...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the challenges Texas churches face with rising property insurance premiums and introduces the concept of a Risk Purchasing Group (RPG) as a potential solution. Ron explains how RPGs allow churches to pool their buying power to access better insurance pricing and coverage. A case study of a Fort Worth church illustrates the benef...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the critical importance of being prepared for storms and other unforeseen events that can impact Texas churches. Using the example of Pastor Allen's experience in Waco, Ron highlights the necessity of having the right insurance coverage that respects reality rather than relying on wishful thinking. Key points include understandi...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley of Insurance for Texans addresses the challenges Texas churches face. Skyrocketing insurance premiums and unreliable carriers are two of such challenges. Through a relatable story about a church volunteer named Teddy, Ron outlines the pitfalls of opting for too-good-to-be-true insurance deals and provides three important trust factors to ...
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In this episode of Faith Stewardship and Insurance, host Ron Wadley discusses the importance of customized insurance for Texas churches. He emphasizes the reason why our church insurance agents ask so many questions. We are trying to understand each church's unique risks, rather than offering cookie-cutter policies that might not cover what is important to them. Ron highlights the significance of understanding a church’s mission an...
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In this episode of Faith Stewardship and Insurance, host Ron Wadley of Insurance for Texans discusses the significance of local expertise in providing church insurance tailored to the unique needs of Texas churches. Highlighting a recent case of content plagiarism by an out-of-state agency, Ron emphasizes the drawbacks of non-local agents who lack understanding of the specific challenges and culture of Texas churches. He outlines t...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses the importance of church insurance beyond conventional policies. Providing a real-life example from a church near Fort Worth, Ron outlines a three-step process to ensure comprehensive coverage for church properties and ministries. The process includes evaluating current operations, anticipating future c...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the important things that church leaders need to consider when leasing space to daycares or other outside groups. Using the example of a church in Midland, Ron highlights key insurance considerations. These considerations include understanding that the church's liability policy does not cover tenants, the necessity of being name...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses how Texas churches can protect their staff and budgets with catastrophic health insurance. Using the story of a pastor named Mary, Ron explains how catastrophic health plans offer significant savings on premiums while providing essential coverage for major medical events. He also highlights the flexibil...
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In this episode of 'Faith Stewardship and Insurance: Protecting Texas Churches,' host Ron Wadley from Insurance for Texans discusses the risks associated with signing exclusive agreements with insurance agencies. Ron shares a real-life example of a church leader, Yesinia, who encountered pressure to sign such an agreement. He explains why these agreements are unenforceable, limit coverage options, reduce negotiating power, and pri...
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