Why Should Church Leaders Care About Retro Dates in Church Liability Coverage?

In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the significance of retro dates in liability insurance for churches. Using the example of Stan, a church treasurer, Ron explains how a retro date determines the period for which past incidents are covered under new policies. The episode underscores the differences between claims-made and occurrence policies and emphasizes the importance of continuous coverage to prevent gaps in protection. The show also offers guidance on ensuring that retro dates are properly managed to protect against uninsured exposures, especially in areas like pastoral counseling liability and directors and officers liability. Allow our church insurance team to review your church’s policy at insurancefortexans.com And get a copy of our book at thepromiseofcertainty.com 00:00 Introduction to Faith Stewardship and Insurance 00:31 Understanding Retro Dates in Liability Coverage 03:08 The Importance of Continuous Coverage 04:03 Ensuring Proper Retro Dates and Coverage 05:09 Conclusion and Next Steps