Faith, Stewardship, & Insurance: Protecting Texas Churches

Faith, Stewardship, & Insurance: Protecting Texas Churches

Helping church leaders, pastors, and administrators understand the basics of Texas Church insurance and how they can mitigate risk while maximizing the reach of their mission.

Episodes

December 30, 2025 5 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the importance of understanding insurance coverage for Texas churches before storm seasons hit. He shares a cautionary tale about Kevin's church near Austin, which found surprising changes in their policy such as increased deductibles and altered roof coverage. Ron emphasizes the significance of timely reviews and inspections to...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley guides church leaders through the important steps needed the morning after a severe hailstorm. Focusing on a practical example of a pastor named Bob from Fort Worth, the episode emphasizes the importance of documenting all damage, stabilizing the situation, and understanding your insurance policy before filing a claim. The guidance provid...
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In this special episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley takes a break from the usual format to offer pastors and church leaders a moment of reflection during the busy Christmas season. The episode discusses the humble birth of Jesus Christ and its significance, emphasizing that stewardship in church leadership is a form of honoring God's trust in us. Ron explores how faithful stewardsh...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses the often-overlooked topic of business interruption insurance for churches. The episode highlights the critical role of this coverage in protecting church finances and operations during significant disruptions caused by events like storms or natural disasters. Listeners learn about the types of expenses...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses the important role of human resources in church operations. Highlighting a real-life story about Bob's church in East Dallas, which faced issues due to inadequate hiring practices, the episode emphasizes the importance of proper HR management. It showcases the risks of not conducting background checks a...
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In this episode of Faith Stewardship and Insurance, host Ron Wadley discusses the importance of providing life insurance for pastors. The show focuses on church-owned life insurance policies, commonly known as key person policies, which serve to protect both the church and the pastor's family. Ron details the types of life insurance available—term, whole, and universal—and their respective benefits. This guidance is illustrated thr...
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In this episode of Faith Stewardship and Insurance, host Ron Wadley from Insurance for Texans addresses the pressing issue of medical debt faced by pastors when traditional health plans are unaffordable for churches. Sharing the story of Pastor John from a small congregation in Tyler,, Ron highlights the financial burdens and stress pastors endure when facing high medical bills. He introduces affordable and effective solutions such...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the challenges that Texas churches face with rising health insurance premiums and the lack of transparency in fully insured plans. Specifically, the episode provides insights into level funded health coverage, which offers a more flexible and transparent option. Through the story of Felicia from a Fort Worth church, the episode ...
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In this episode of Faith Stewardship and Insurance, host Ron Wadley wraps up the series on liability coverages for Texas churches by focusing on Directors and Officers (D&O) insurance. He explains the importance of D&O coverage for church leaders, including elders, deacons, and finance teams who make fiduciary decisions. By sharing a story about a church's financial scare, Wadley highlights the risks and legal implications that can...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses the importance of Employment Practices Liability Insurance (EPLI) for churches. The episode opens with a real-world example involving Hannah, a long-time church member who faced a wrongful termination lawsuit against her church. Ron explains the unique liabilities churches face compared to traditional b...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses the important topic of media liability for churches that publish online content. Highlighting a real-life example from a church in Lubbock, the episode underscores the new risks introduced by digital ministries, such as live streaming and social media activities. It elaborates on the types of exposures ...
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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 im...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses the importance of liability insurance for churches. The episode highlights a real-life incident involving Pastor Robert's church in Waco, where a slip and fall led to a lawsuit. Ron outlines the top three liability risks for Texas churches: slip and fall accidents, counseling-related claims, and abuse o...
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In this episode of Faith, Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses various health insurance options for small Texas churches facing rising ACA premiums and shrinking subsidies. Wadley recommends alternatives like private health plans, direct primary care with catastrophic coverage, and targeted limited benefit plans. These solutions offer cost-effective protection and predictable budgets for c...
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In this episode of Faith Stewardship and Insurance, host Ron Wadley from Insurance for Texans discusses affordable health insurance options for small Texas churches. Highlighting the story of Tim, an elder from a small church in Lubbock, the episode explores the challenges of affording traditional group health insurance and introduces catastrophic health coverage as a practical and cost-effective alternative. Ron underscores the be...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses solutions for providing health insurance to staff at small churches. Highlighting a case study of Pastor Eric in Weatherford, the episode explores traditional group health insurance, individual health insurance, health sharing ministries, and catastrophic health coverage. It also emphasizes the importance of considering total ou...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley of Insurance for Texans explores practical ways for Texas churches to provide meaningful health benefits to their staff. The focus is on self-funded health insurance with stop-loss protection, a promising but often misunderstood option for small churches. The episode provides a detailed explanation of how self-funded plans work, including...
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In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley of Insurance For Texans discusses how small Texas churches can provide health insurance for their ministry staff through catastrophic health insurance plans. He explains the benefits of these plans, which cover major medical events at a lower cost compared to traditional insurance. The episode also explores combining catastrophic coverage...
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In this episode of Faith Stewardship and Insurance, host Ron Wadley emphasizes the importance of digital security for Texas churches. He highlights the increasing threat of cyber attacks on small organizations and offers practical steps to safeguard personal data and ministry resources. Ron stresses that protecting your church's digital systems is key to demonstrating good stewardship and ensuring a secure foundation for the future...
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November 27, 2025 4 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the importance of gratitude for lessons learned through trials. He shares a personal experience involving a serious crisis at his church, highlighting the importance of clear policies, communication, and collaboration with law enforcement. The episode emphasizes the necessity of preparedness and the role of insurance in safeguar...
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