Does Your Church's Liability Insurance Exclude Firearms Coverage?

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 require extensive underwriting before covering an organized safety ministry. Once a church designates members as security personnel with posts, procedures, or badges, insurers want to know selection criteria, background checks, training, and documentation. Wadley notes that even well-intended, heroic actions can still lead to costly lawsuits and stresses verifying coverage rather than assuming protection. 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 The Big Coverage Question 00:38 Board Meeting Story 01:58 Insurance Reality Check 02:43 How Underwriters See Risk 03:45 Good Intentions Still Get Sued 04:21 Firearms Exclusions Explained 05:06 Verify Coverage Next Steps 05:45 Closing Reminder