How Can Our Church Plan for Risk? Part 1

Host Ron Wadley of Insurance for Texans begins a two-part series on assessing church risk. The episode uses the story of Liam, who is an executive pastor in Fort Worth. Ron walks Liam through physical-infrastructure risks in Texas. He talks about the need for proper property coverage, roof durability, and how hail claims, high deductibles, actual cash value payouts, and roof age depreciation can affect recoveries. They review visitor-path hazards like cracked sidewalks, uneven steps, and loose handrails. Ron clarifies what general liability covers, especially legal defense for slip-and-fall and property-damage claims. In the kitchen, they address fire risk through hood suppression inspections, grease trap maintenance, and a written fire safety policy for volunteers. They conclude with facility management priorities, including tracking asset lifespans, addressing outdated electrical systems, and maintaining plumbing. Connect with our church insurance team at insurancefortexans.com Download a free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:26 Why Risk Assessment Matters 00:32 Meet Liam Expansion Plans 01:37 Property Risks Roof Coverage 02:29 Visitor Safety Liability Basics 03:16 Kitchen Fire Safety 03:51 Facility Maintenance Systems 04:46 Wrap Up Next Episode