Does Texas Require Churches to Carry Workers' Compensation Insurance?

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 financial repercussions. I’ll clarify the vital differences between general liability and workers' compensation insurance, emphasizing why proper classification of staff is essential for protection. Don't let your church become a liability magnet. Tune in to learn how to safeguard your ministry and ensure you’re not leaving your gates unlocked.