How Does An Sublimit Affect My Church's Insurance Claim in Texas?

In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the critical topic of sub limits within church insurance policies. Using a real-life example of a church in Waco, Ron highlights how sub limits can drastically reduce insurance payouts, even for policies with high overall coverage. He explains what sub limits are, common areas they apply to, and provides actionable advice on how churches can review and adjust their policies to avoid unexpected shortfalls. Ron emphasizes the importance of understanding policy fine print to ensure that all valuable assets of a church are adequately protected. Visit insurancefortexans.com to connect with our church insurance team Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Introduction to Faith Stewardship and Insurance 00:27 Understanding Sub Limits in Church Insurance 00:49 Real-Life Example: The Waco Church Incident 01:34 Common Sub Limits and Their Impact 03:10 How to Avoid Being Caught Off Guard by Sub Limits 03:47 Ensuring Full Protection for Your Ministry 04:37 Conclusion and Final Thoughts