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
June 26, 2026 • 5 mins
Host 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 scho...
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June 25, 2026 • 6 mins
Host 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 ...
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June 24, 2026 • 5 mins
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...
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June 23, 2026 • 6 mins
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 requir...
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June 22, 2026 • 6 mins
Host 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 te...
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June 12, 2026 • 6 mins
Host Ron Wadley of Insurance for Texans closes a five-part church safety series by explaining Texas Senate Bill 694 and why churches can still face major costs without proper insurance. He describes a Fort Worth church incident where volunteer security members with licenses to carry stopped an armed threat, but a stray bullet injured a first-time visitor who later sued for negligence. Although the court dismissed the civil case und...
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June 11, 2026 • 6 mins
Host Ron Wadley continues part four of a five-part church safety series, addressing how Texas churches can train an armed volunteer safety team without excessive costs or insurance problems. Using a story about Phil who heads his church’s security team, the episode contrasts an expensive private tactical academy with an alternative partnership between Insurance for Texans and the United States Concealed Carry Association (USC...
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June 10, 2026 • 6 mins
Host Ron Wadley continues a church safety series by warning Texas churches about firearms exclusions hidden in standard commercial general liability policies. He recounts a scenario at a mid-sized Abilene church where a licensed volunteer security team member’s handgun accidentally discharged in the parking lot, damaging a visiting family’s minivan. The church’s claim was denied because the policy excluded firearm...
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June 9, 2026 • 6 mins
Host Ron Wadley focuses this episode of his church safety series on the critical minutes after an active threat is neutralized. He uses the story of a church in Northwest San Antonio as an example. Wadley argues many volunteer teams prepare for confrontation but not post-event medical response. He also emphasizes drilled protocols for law enforcement arrival to prevent mistaken-identity shootings, congregation relocation and reunif...
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June 8, 2026 • 6 mins
Host Ron Wadley of Insurance for Texans launches a five-part church safety series. In this episode, he explains why informal security teams put Texas churches at risk. Using the story of Mary’s Waco church, he describes how a church with trusted armed volunteers but no written procedures, training logs, or use-of-force policies was non-renewed by its insurer for unmanaged risk. He notes underwriters increasingly view unwritte...
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June 5, 2026 • 5 mins
Host Ron Wadley explains how Texas church leaders can be misled by cheap online insurance quotes in 2026. He says that stable or lower premiums often hide reduced property and liability protection. He warns that algorithms don’t account for ministry activities or key safeguards like safety manuals, child protection protocols, and facility use agreements. Some platforms route churches to non-admitted carriers that are not back...
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June 4, 2026 • 5 mins
Host Ron Wadley of Insurance for Texans explains how church leaders should choose an insurance advisor. He uses a story about executive pastor David Miller in Tyler who receives a renewal with a flat premium and realizes it may hide dangerous coverage gaps. Wadley argues the best broker is a dedicated Texas church insurance specialist, not a generic local agent or fast online quote. Churches face distinct risks and need coverage su...
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June 3, 2026 • 6 mins
Host Ron Wadley of Insurance for Texans explains how Texas church leaders can build a comprehensive insurance plan to avoid dangerous coverage assumptions. He shares a rural East Texas church case where a board let a trusted leader run a preschool in a church building. They assumed that her business policy protected the church, and did not buy their own liability coverage or ensure they were named as an additional insured. When the...
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June 2, 2026 • 5 mins
Host Ron Wadley of Insurance for Texans explains the tension Texas church finance committees face between rising premiums and deductible exposure. He uses the story of a church in Temple, TX to illustrate this issue. He clarifies that premiums represent what insurers charge to assume part of a church’s financial risk, and that skyrocketing Texas catastrophe and liability losses have driven prices up. Wadley warns that chasing...
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June 1, 2026 • 5 mins
Host Ron Wadley warns Texas pastors and church leaders that fast, question-free insurance quotes are a dangerous sign that no one is doing the work needed to protect a church’s mission. He explains that churches have people-driven exposures that make them unlike typical commercial buildings. He also discusses how mostly identical churches can still have vastly different liability risks. Wadley says agents who focus only on ba...
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May 1, 2026 • 5 mins
Host Ron Wadley closes the special series from his book, The Promise of Certainty, by tying together Texas-specific risk realities, the 12 essential church coverages, and a three-part framework to help leaders use insurance as a proactive leadership tool rather than just another bill. He urges church leaders to use the 12 coverages as a checklist in conversations with their insurance agent, identify blind spots, and press for clari...
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April 30, 2026 • 4 mins
Host Ron Wadley of Insurance for Texans concludes a series on essential church coverages by focusing on key person life insurance. This is for mission-critical leaders, especially senior pastors whose loss can trigger emotional and financial disruption for churches. He explains that key leader life insurance provides a financial safety net so a church can grieve, stabilize its budget, and search for a successor without immediate co...
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April 29, 2026 • 3 mins
Host Ron Wadley of Insurance for Texans explains why Texas churches should evaluate flood insurance. Most property policies exclude damage from flood waters. FEMA defines a flood as water covering two or more acres of normally dry land or affecting two or more properties, often from overflowing rivers, storm surge, or rapid runoff. He warns that standard property and windstorm policies do not cover these events. Churches near river...
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April 28, 2026 • 3 mins
Host Ron Wadley explains that although workers’ compensation is technically optional in Texas, churches with employees should treat it as essential protection for both staff and the ministry. He notes that workers’ comp covers medical expenses, lost wages, and other injury-related costs for church employees while also limiting a church’s exposure to lawsuits. He highlights common church workplace injuries and warn...
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April 27, 2026 • 4 mins
Host Ron Wadley of Insurance For Texans continues the series from his book, the Promise of Certainty, by highlighting overlooked risks in church events and mission trips. He explains that standard Texas liability policies may exclude special events unless endorsed and often exclude bounce houses/inflatables. These exclusions make accidents like falls, food poisoning, or trip-and-fall incidents potentially costly. He recommends add...
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