Texas SB 694 Is Not Complete Protection for Armed Security Volunteers

Host Ron Wadley of Insurance for Texans closes a five-part church safety series by explaining Texas Senate Bill 694 and why churches can still face major costs without proper insurance. He describes a Fort Worth church incident where volunteer security members with licenses to carry stopped an armed threat, but a stray bullet injured a first-time visitor who later sued for negligence. Although the court dismissed the civil case under SB 694’s civil immunity protections, the church still incurred $80,000 in attorney’s fees, which their insurer denied due to a firearms exclusion in the general liability policy. Wadley emphasizes that immunity from liability is not immunity from being sued, and urges church leaders to have experts review risks and eliminate coverage gaps. Connect with our church insurance team at insurancefortexans.com Get your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:26 Series Finale Focus 00:51 Sunday Morning Scenario 01:33 Threat Stopped Fast 02:18 Civil Lawsuit Fallout 04:12 Immunity Not Lawsuit Proof 05:19 Get Proper Coverage 05:52 Closing Reminder