Small Texas Churches Can Still Face Big Church Liabilities

Host Ron Wadley of Insurance for Texans explains that small Texas churches can face the same costly lawsuits as large churches. They also often have greater exposure due to heavy reliance on volunteers and fewer formal policies. Through the example of Amy, a children’s ministry director near Lubbock, the episode highlights how legal defense costs don’t depend on church size or budget. Wadley outlines key coverages in a customized church liability plan: general liability for on-site injuries and property damage, pastoral liability for counseling-related claims, abuse and molestation liability, and directors and officers (D&O) insurance to protect board members’ personal assets. 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 Small Church Big Risks 00:39 Amy's Wake Up Call 02:23 Why Size Doesn't Matter 03:11 Beyond Cheap Policies 03:29 General Liability Basics 03:55 Pastoral Counseling Coverage 04:14 Abuse Molestation Coverage 04:23 Board Protection D&O 04:48 Build a Custom Plan 05:08 Next Steps Resources 05:42 Closing Reminder