A Dangerously Fatal Assumption About Church Insurance

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 preschool policy lapsed for 18 days, a child was injured and the resulting lawsuit named the school, leader, pastor, and board. It forced the church to pay a $5,000 legal retainer, which was almost half of their yearly church budget. 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 Coverage Matters 01:30 East Texas Cautionary Tale 02:17 The Fatal Assumption 02:52 When Coverage Lapsed 04:11 Building Full Protection 04:49 Promise of Certainty 05:13 Next Steps and Resources 05:48 Final Encouragement