Texas Church Insurance: Protection for Your Building and Your People

Host Ron Wadley of Insurance for Texans explains the two core pillars of church insurance for Texas churches: structural property protection and comprehensive liability coverage. Using the story of Leslie, a Waco church leader seeking insurance to secure a bank loan for a new building, the episode breaks down key terms and needs. Property insurance protects buildings and church personal property from perils like fire, storms, theft, and vandalism. Ron also discusses the differences between replacement cost value and actual cash value. Liability coverage includes general liability for on-premises accidents, pastoral liability for counseling-related risks, sexual misconduct liability, and D&O insurance for elders, deacons, and trustees. 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 Intro 00:25 Why Insurance Matters 01:40 Two Pillars Overview 02:08 Property Insurance Basics 02:41 Valuation and Roof Claims 03:15 Specialized Gear Coverage 03:29 Liability Insurance Basics 04:00 Pastoral and Misconduct Risks 04:37 D&O for Church Leaders 04:59 Stewardship and Next Steps 05:37 Closing Message