What Insurance Does a Texas Church Need?

Host Ron Wadley of Insurance for Texans explains what church insurance typically covers through the story of Annie, a Fort Worth church secretary. Annie learns that actual cash value coverage would only pay the depreciated value of property after damage, leaving the church to fund the replacement-cost gap. A comprehensive commercial property package should cover the building and contents, with specialized endorsements for high-tech or mobile gear like sound systems, instruments, or pipe organs. The episode also highlights a church’s liability coverage needs as well. Beyond general liability, a church needs professional liability for pastoral counseling, sexual abuse and molestation liability if they have a children’s ministry, directors and officers coverage to protect volunteer board members’ personal assets, and cyber liability for risks tied to online giving and member data. Connect with our church insurance agents at insurancefortexans.com Get a free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:32 Annie Faces Premium Hike 01:50 Renewal Fine Print ACV 02:23 Protecting Specialized Gear 02:58 Counseling Liability Gaps 03:26 Abuse Coverage Exclusions 03:57 Board Protection D and O 04:21 Cyber Risks for Churches 04:57 Wrap Up and Next Steps