What Church Insurance Exclusions leave Texas Churches Exposed?

Host Ron Wadley explains how insurance exclusions can leave Texas churches unexpectedly exposed. He uses a story about Pastor Steve in Midland who is sued after providing pastoral counseling. Steve learns the church’s general liability policy excludes counseling and the church is not covered for this claim because it lacks professional liability coverage. Wadley notes many exclusions aren’t obvious on the declarations page and may not be discussed at renewal. Common gaps in church insurance coverage include claims alleging emotional harm, sexual abuse and molestation, and reduced hail coverage with higher deductibles and roof restrictions. He emphasizes that these gaps are often due to policy design and misunderstanding of church operations. That is why working with a church insurance specialist can align coverage with real ministry risks. 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 00:25 Pastor Steve Lawsuit Shock 02:05 Counseling Exclusion Explained 02:56 Abuse Coverage Gap 03:39 Hail Limits and Deductibles 04:30 Fixing Gaps With Specialists 05:08 Next Steps and Resources 05:28 Closing Mission Reminder