How Can Small Churches Manage Insurance Costs Effectively?

Host Ron Wadley of Insurance for Texans explains how small Texas churches are being hit hard by insurance market shifts. He uses the story of Nelda, an Austin church secretary to show how small churches are facing steep premium increases and reduced coverage. He notes insurers often define “small” by building size (often under about 15,000 square feet), which affects pricing and available coverage. Wadley outlines essential coverages for small churches: replacement-cost property coverage for buildings and contents, general liability for on-site accidents, directors and officers coverage for volunteer leadership decisions, pastoral liability for counseling-related exposures, and proper commercial auto coverage for church-owned vehicles. He emphasizes avoiding both underinsuring and buying ill-fitting packages by working with a church insurance specialist. Connect with our church insurance team at insurancefortexans.com Get a FREE copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:35 Nelda’s Renewal Shock 01:45 Why Small Churches Hurt 02:02 What Counts as Small 02:54 Core Coverage Essentials 04:10 Auto and Common Mistakes 04:34 Specialist Help and Fit 05:22 Next Steps and Resources 05:54 Closing Mission Reminder