Episodi

  • Should My Texas Church Bundle Insurance for Our Nonprofit Ministries?

    Should My Texas Church Bundle Insurance for Our Nonprofit Ministries?
    Jul 3 2026
    Host Ron Wadley of Insurance for Texans discusses bundling insurance products for nonprofit ministries that are operated by Texas Churches. Wadley explains that many church general liability policies were written for limited church activities and may not cover expanded community programs. He notes that risks increase when outreach programs are separate 501(c)(3) entities because they are not covered by the church’s insurance policy. Wadley recommends creating a custom insurance bundle that coordinates property, general liability, commercial auto, and leadership protections while explicitly naming and covering both the church and its distinct nonprofit ministries. Connect with our church insurance team at insurancefortexans.com Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:34 Why Churches Serve 01:00 Ministry Spaces Tour 01:36 Hidden Liability Gaps 02:39 Insurance New Normal 03:17 Separate Entity Risks 03:58 True Bundle Solution 04:24 Specialist vs Lazy Agent 05:01 Call to Action 05:36 Final Encouragement
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    6 min
  • Strategic Ways for Small Churches to Save on Insurance Premiums in Texas

    Strategic Ways for Small Churches to Save on Insurance Premiums in Texas
    Jul 2 2026
    Host Ron Wadley addresses Texas small church leaders facing steep insurance renewal increases. He explains that storm losses and rising costs have shaken Texas property and casualty insurance, prompting carriers to exit, raise rates, and tighten underwriting. This has left small congregations feeling abandoned. Wadley notes a shift in the 2026 market as new insurers enter Texas. They are selective and reward churches that document risk management. He also recommends strategic policy structures—such as higher wind and hail deductibles and tools like hail buy-down policies—to reduce premiums. Connect with our church insurance team at insurancefortexans.com Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:35 Sticker Shock Story 01:47 Why Rates Spiked 02:27 New Market Opportunity 02:55 Prove Your Risk 03:29 Deductible Strategy 04:27 Choose Specialists 05:05 Call to Action 05:31 Closing Message
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    6 min
  • Cheap Texas Church Insurance Isn't Always Better

    Cheap Texas Church Insurance Isn't Always Better
    Jul 1 2026
    Host Ron Wadley of Insurance for Texans explains why Texas church finance committees should look beyond lower premiums and focus on total cost of risk. Using a story of Steven, a Fort Worth church leader tempted by a friend’s 15% insurance savings, the episode highlights questions about reduced limits, changed roof coverage, and hidden deductibles. Wadley notes the Texas church insurance market is shifting with some carriers reducing church property coverage or leaving the state all together. And there are newer companies who compete on price. He warns that cheaper policies may have hidden language that would lead to costly out of pocket expenses when you file a claim. Connect with our church insurance team at insurancefortexans.com Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:41 Budget Pressure Story 01:43 Questions About Cheaper 02:26 Texas Market Shifts 03:24 Hidden Policy Traps 04:32 Total Cost Of Risk 04:43 Next Steps And Closing
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    6 min
  • How to Compare Church Insurance Policies in 2026

    How to Compare Church Insurance Policies in 2026
    Jun 30 2026
    Host Ron Wadley of Insurance for Texans explains why comparing church insurance proposals in Texas for 2026 can paralyze finance committees. He illustrated this concept by using the story of Len, who is a church finance chair comparing three insurance quotes. Wadley notes the market now has more carrier options and competition, but policies may hide reduced protection in fine print. Quotes often differ because agents use different processes, carriers, and coverage forms, including admitted versus non-admitted surplus lines carriers. He highlights three common “gotchas” to check: roof coverage changes from replacement cost to actual cash value or roof sub-limits/schedules, third-party facility exclusions for weddings or community use (especially when fees are charged), and whether legal defense costs are inside or outside liability limits. Connect with our church insurance team at insurancefortexans.com Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:28 The Renewal Dilemma 00:41 Len’s Quote Confusion 02:16 Why Quotes Don’t Match 03:39 Three Common Gotchas 03:51 Gotcha One Roof Limits 04:26 Gotcha Two Facility Exclusions 04:49 Gotcha Three Defense Costs 05:24 Choose an Advisor 05:33 Resources and Closing
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    6 min
  • Texas Church Insurance: Protection for Your Building and Your People

    Texas Church Insurance: Protection for Your Building and Your People
    Jun 29 2026
    Host Ron Wadley of Insurance for Texans explains the two core pillars of church insurance for Texas churches: structural property protection and comprehensive liability coverage. Using the story of Leslie, a Waco church leader seeking insurance to secure a bank loan for a new building, the episode breaks down key terms and needs. Property insurance protects buildings and church personal property from perils like fire, storms, theft, and vandalism. Ron also discusses the differences between replacement cost value and actual cash value. Liability coverage includes general liability for on-premises accidents, pastoral liability for counseling-related risks, sexual misconduct liability, and D&O insurance for elders, deacons, and trustees. Connect with our church insurance team at insurancefortexans.com Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Intro 00:25 Why Insurance Matters 01:40 Two Pillars Overview 02:08 Property Insurance Basics 02:41 Valuation and Roof Claims 03:15 Specialized Gear Coverage 03:29 Liability Insurance Basics 04:00 Pastoral and Misconduct Risks 04:37 D&O for Church Leaders 04:59 Stewardship and Next Steps 05:37 Closing Message
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    6 min
  • Insurance for Church Operated Private Schools in Texas

    Insurance for Church Operated Private Schools in Texas
    Jun 26 2026
    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 school needs. Wadley recommends a standalone private school insurance policy and adding the church as an additional insured. This protects the church from school-related claims while keeping financial structures separated. Connect with our church insurance team at insurancefortexans.com Get your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:26 A School Dream Begins 01:14 New Risks Emerge 01:45 Church Policy Gaps 02:41 Essential School Coverages 03:18 Best Practice Setup 03:53 Get Expert Help 04:38 Closing Reminder
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    5 min
  • Small Texas Churches Can Still Face Big Church Liabilities

    Small Texas Churches Can Still Face Big Church Liabilities
    Jun 25 2026
    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 customized church liability plan: general liability for on-site injuries and property damage, pastoral liability for counseling-related claims, abuse and molestation liability, and directors and officers (D&O) insurance to protect board members’ personal assets. Connect with our church insurance team at insurancefortexans.com Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:26 Small Church Big Risks 00:39 Amy's Wake Up Call 02:23 Why Size Doesn't Matter 03:11 Beyond Cheap Policies 03:29 General Liability Basics 03:55 Pastoral Counseling Coverage 04:14 Abuse Molestation Coverage 04:23 Board Protection D&O 04:48 Build a Custom Plan 05:08 Next Steps Resources 05:42 Closing Reminder
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    6 min
  • Is Your Church's Safety Team Trained in Deescalation?

    Is Your Church's Safety Team Trained in Deescalation?
    Jun 24 2026
    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 recognize common disruptions and use protocol-driven verbal de-escalation. He notes insurers ask about and value documented de-escalation training and require clear protocols before extending liability coverage. Connect with our church insurance team at insurancefortexans.com Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:26 Hospitality First Safety 00:40 Austin Disruption Story 01:26 Stacy De Escalates 02:47 Safety Ministry Model 03:07 Training And Protocols 03:50 Insurance And Liability 04:47 Hospitality First Blueprint 04:56 Resources And Closing
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    6 min