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

The Beauty of a Boring Story

April 10, 2026 • 4 mins
Host Ron Wadley of Insurance for Texans wraps up foundational principles from The Promise of Certainty, emphasizing two rules for church leaders: ask questions and boring is beautiful. He contrasts triangle mode, where churches make fast, premium-driven insurance decisions with little information that lead to major fallout when claims occur, with a “funnel” approach. That approach front-loads detailed questions about staff, facili...
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You Can’t Buy Peace of Mind After the Fact

April 9, 2026 • 4 mins
Host Ron Wadley of Insurance for Texans shares the third core principle from his book The Promise of Certainty. You can’t buy peace of mind after the fact. He emphasizes that stewardship requires preparation before disaster strikes. He contrasts treating insurance like a “fire extinguisher” with building a solid foundation early. He illustrates this principle with client Wayne, who initially focused on the price of his insurance in...
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There’s No Excuse for Dumb Risk

April 8, 2026 • 3 mins
Host Ron Wadley of Insurance for Texans continues the “Promise of Certainty” series with the second principle: there’s no excuse for dumb risk. Building on the idea that risk follows patterns, he explains that risk exists on a sliding scale and defines dumb risk as avoidable, obvious, and potentially devastating. He stresses that identifying and removing dumb risk is not fear-driven but an act of wisdom and love for those a church ...
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The Myth of the Random Storm

April 7, 2026 • 4 mins
Host Ron Wadley of Insurance For Texans introduces the show’s first core principle from the book The Promise of Certainty: risk isn’t random. He challenges the “acts of God” mindset by noting that hail-prone areas and floodplains are known. The bigger issue is people assuming disasters happen to others. Using the Dallas–Fort Worth area and the December 26, 2015 EF4 tornado as an example, he explains that warning signs were visible ...
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The Sand, The Storm, and The Steward

April 6, 2026 • 3 mins
Host Ron Wadley of Insurance for Texans introduces a multi-week series covering core principles from his book, The Promise of Certainty, about Texas church insurance. He explains that while insurance topics like tornado and liability coverage can feel tedious, being unprepared can leave a church facing a severe financial crisis when a disaster occurs. Drawing from his upbringing as a Baptist preacher’s kid and witnessing church lea...
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How Can Our Church Plan for Risk? Part 2

April 3, 2026 • 5 mins
Host Ron Wadley continues his conversation with Executive Pastor Liam, shifting from building risks to the church’s most vulnerable areas: people and data. He stresses that children’s outreach creates high legal exposure without a documented safety plan, strong screening practices, two-adult supervision, and a six-month membership rule, plus abuse and molestation insurance. The episode covers training needs for volunteer safety tea...
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How Can Our Church Plan for Risk? Part 1

April 2, 2026 • 5 mins
Host Ron Wadley of Insurance for Texans begins a two-part series on assessing church risk. The episode uses the story of Liam, who is an executive pastor in Fort Worth. Ron walks Liam through physical-infrastructure risks in Texas. He talks about the need for proper property coverage, roof durability, and how hail claims, high deductibles, actual cash value payouts, and roof age depreciation can affect recoveries. They review visit...
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What Does Church Insurance Actually Cover?

April 1, 2026 • 6 mins
Host Ron Wadley of Insurance for Texans explains church insurance coverage through the story of a church trustee in Plano. He reviews key coverages, starting with property insurance that properly defines and values buildings like the sanctuary, fellowship hall, and parsonage. Generic commercial policies may have sub-limits on steeples and stained glass and therefore those items require specialized endorsements. He clarifies replace...
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How Can Your Texas Church Find the Right Insurance Broker?

March 31, 2026 • 4 mins
Host Ron Wadley of Insurance for Texans explains why choosing the right insurance broker is one of a church board’s most important decisions by following the story of a trustee named David in Abilene. He is frustrated with the transactional, generic nature of Texas church insurance. David meets with a captive agent from a national firm and sees the risk of being limited to one carrier, leading him to seek an independent broker who ...
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What Insurance Does a Texas Church Need?

March 30, 2026 • 6 mins
Host Ron Wadley of Insurance for Texans explains what church insurance typically covers through the story of Annie, a Fort Worth church secretary. Annie learns that actual cash value coverage would only pay the depreciated value of property after damage, leaving the church to fund the replacement-cost gap. A comprehensive commercial property package should cover the building and contents, with specialized endorsements for high-tec...
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Is Abuse and Molestation Coverage Necessary for a Texas Church?

March 27, 2026 • 5 mins
Host Ron Wadley explains why Texas churches need specific sexual abuse and molestation coverage. General liability typically covers accidents like slip-and-falls and excludes intentional abuse without an endorsement or standalone policy. Using a story about children’s ministry director Penny, the episode highlights that sexual misconduct policies are often written on a claims-made basis, making the retroactive date critical. Wadley...
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Can A Texas Church Buy Insurance for Their Roof?

March 26, 2026 • 5 mins
Host Ron Wadley of Insurance For Texans explains how Texas church leaders can secure roof coverage and avoid common policy pitfalls. Through the story of Ted, the listener learns about the deductible trap, where roof deductibles are often a percentage of the building’s insured value instead of a flat amount. A potential solution is using a deductible buy-down policy to reduce risk while keeping premiums lower. Ron also highlights t...
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Does Texas Require Churches to Carry Workers' Compensation Insurance?

March 25, 2026 • 5 mins
In this episode of Faith, Stewardship, & Insurance: Protecting Texas Churches, I delve into a critical yet often overlooked aspect of church insurance: workers' compensation. Join me as I recount a real incident involving a church janitor who faced a life-altering injury, exposing the risks that come with opting out of coverage. Texas laws allow churches to forgo workers' compensation, but this decision can lead to devastating fina...
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Who Are the Good Church Insurance Companies?

March 24, 2026 • 5 mins
Host Ron Wadley of Insurance for Texans addresses a finance committee’s concerns about unfamiliar insurance carriers, using Phil from an Austin church as an example. After a 2024 non-renewal forced a survival policy during a hard Texas market, Phil wants to take a new look at his church’s insurance. Now in 2026, as the market softens and capacity returns, Ron explains that strong options continue to be the quiet giants like Promont...
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How Should We Insure Our Church Owned Automobiles?

March 23, 2026 • 5 mins
In this episode of Faith, Stewardship, & Insurance: Protecting Texas Churches, I, Ron Wadley, guide church leaders through a critical decision that could impact their ministry's future. As we delve into the complexities of church auto insurance, I emphasize the importance of proper coverage for church-owned vehicles. Learn why simply adding a vehicle to a pastor's personal policy is a risky move and how a commercial auto policy pro...
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Do Churches in Texas Have a Legal Obligation to Carry Liability Insurance?

March 20, 2026 • 5 mins
In this episode of Faith, Stewardship, & Insurance: Protecting Texas Churches, I delve into a pressing question for church leaders: What are the actual liability insurance requirements in Texas? Surprisingly, Texas law does not mandate liability insurance for churches, which can lead to misconceptions about the necessity of coverage. I explore the critical distinction between legal requirements and the financial implications of bei...
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Has The Cost of Texas Church Insurance Improved in 2026?

March 19, 2026 • 6 mins
Host Ron Wadley of Insurance For Texans explains what Texas churches should expect for insurance costs in 2026. After several brutal renewal cycles, some price relief is emerging as new carriers return and competition increases. He cautions that the insurance floor has permanently risen due to higher construction costs and ongoing weather losses. Unusually cheap quotes often reflect trade-offs such as managed repair programs, reduc...
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Is There Any Bad News About Texas Church Insurance for 2026?

March 18, 2026 • 6 mins
In this episode of Faith, Stewardship, & Insurance: Protecting Texas Churches, I delve into the concerning realities of Texas church insurance as we approach 2026. While the market may appear to offer lower premiums, I caution you to tread carefully. We'll explore the hidden pitfalls of seemingly great deals, such as capped roof coverage and depreciated claims for older roofs. Discover how these traps can leave your church vulnerab...
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What Makes Cheap Texas Church Insurance Not So Cheap?

March 17, 2026 • 5 mins
In this episode of Faith, Stewardship, & Insurance: Protecting Texas Churches, host Ron Wadley delves into the critical topic of why cheap church insurance can end up being a costly mistake. Through a compelling examination of a recent winter storm that devastated Kingdom Culture Worship Center in Cedar Hill, Ron highlights the perils of opting for basic or named peril policies that may seem economical but often leave churches vuln...
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Is A General Liability Policy Enough Coverage for a Texas Church?

March 16, 2026 • 5 mins
Host Ron Wadley of Insurance For Texans explains general liability insurance as the foundational liability coverage for Texas churches. Using the story of Paul, a Waco church elder, Ron discusses what general liability insurance covers and what it doesn’t cover. Paul learns general liability covers the church’s liability for bodily injury and damage to others’ property, such as a visitor falling on an uneven sidewalk. It also help...
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