Is A General Liability Policy Enough Coverage for a Texas Church?

Host Ron Wadley of Insurance For Texans explains general liability insurance as the foundational liability coverage for Texas churches. Using the story of Paul, a Waco church elder, Ron discusses what general liability insurance covers and what it doesn’t cover. Paul learns general liability covers the church’s liability for bodily injury and damage to others’ property, such as a visitor falling on an uneven sidewalk. It also helps manage legal defense costs even for frivolous claims. The episode clarifies that general liability does not cover volunteers or staff and excludes many common church exposures. Other liabilities may require professional liability, workers’ compensation, sexual misconduct and molestation coverage, business auto, cyber liability, and directors and officers liability. 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 00:31 Meet Paul in Waco 01:46 Why General Liability Matters 02:50 Legal Defense Protection 03:27 What General Liability Excludes 03:52 Specialized Coverage Options 04:33 Paul Gets Clarity 04:56 How to Get Help 05:11 Final Reminder and Outro