What Does Church Insurance Actually Cover?

Host Ron Wadley of Insurance for Texans explains church insurance coverage through the story of a church trustee in Plano. He reviews key coverages, starting with property insurance that properly defines and values buildings like the sanctuary, fellowship hall, and parsonage. Generic commercial policies may have sub-limits on steeples and stained glass and therefore those items require specialized endorsements. He clarifies replacement cost versus actual cash value payouts and how depreciation can strain budgets after losses like hail. The discussion then covers liability insurance. First, general liability covers visitor injuries and legal defense costs. Directors and officers coverage protects board members’ personal assets. Other liability insurance protections include employment practices liability, workers compensation, commercial auto, abuse and molestation, and cyber liability. Connect with our church insurance team at insurancefortexans.com Download a free copy of our book, The Promise of Certainty at thepromiseofcertainty.com 00:00 Show Introduction 00:32 Meet Sarah the Trustee 01:14 Why Coverage Clarity Matters 02:11 Property Insurance Basics 02:54 Replacement Cost vs ACV 03:23 Liability Insurance Overview 03:38 General Liability Protection 04:03 Directors and Officers Risk 04:32 Other Key Coverages 05:12 Relief and Next Steps 05:42 Closing Message