Faith, Stewardship, & Insurance: Protecting Texas Churches

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 ho...

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 explo...

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...

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 an...

In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley reflects on the valuable lessons learned through past episodes about protecting church property and ministry with insurance. Highlighting a real-life incident faced by a Waco church, Ron discusses the importance of understanding insurance terms, such as sub-limits, and the need for thorough policy review...

In this Thanksgiving week episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley reflects on the essential and irreplaceable value of the people who make ministry possible. Highlighting a real-life incident involving a burst pipe at a church in Lubbock, Wadley emphasizes the importance of having a solid church insurance plan and the faithful individuals behind it. H...

In this Thanksgiving-themed episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley reflects on the past 40 episodes and shifts focus to the importance of gratitude. A poignant story about a church near Abilene hit by a tornado illustrates how proactive planning and quality insurance can lead to a sense of thankfulness in times of crisis. Emphasizing that church insu...

In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses the challenges and consequences faced by churches that have allowed their insurance policies to lapse. Highlighting a real-life example of a church in Abilene, the episode explains the difficulties of obtaining new coverage after a lapse, the impact of Texas's extreme...

In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans addresses a common question concerning church insurance policies. Today’s topic is specifically the concept of functional replacement cost. Ron explains what functional replacement cost means and how it affects the rebuilding process of older church buildings, emphasizing the tr...

In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley of Insurance for Texans delves into the important question of who should pay for directors and officers insurance. Through a case study of a Fort Worth church struggling to fill leadership positions, Wadley explains the purpose and importance of D&O insurance. It protects leaders from personal financial...

In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the critical topic of sub limits within church insurance policies. Using a real-life example of a church in Waco, Ron highlights how sub limits can drastically reduce insurance payouts, even for policies with high overall coverage. He explains what sub limits are, common areas they apply to, an...

In the final episode of this week, host Ron Wadley from Insurance for Texans discusses the critical insurance considerations for churches operating daycare services. Churches often face significant coverage gaps in their general liability, abuse and molestation liability, and workers' compensation policies when running daycare programs. Ron emphasizes the importance of a specialized daycare insura...

In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the importance of church auto insurance. Highlighting a real-life scenario where a church van was involved in a fender-bender, this episode underscores the necessity of proper insurance coverage for church owned vehicles. Ron talks through both preventative measures and appropriate insurance co...

In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance For Texans discusses the importance of having a violent response plan for your church. He emphasizes the need for advanced preparation, including lockdown and evacuation procedures, clear communication channels, defined roles and responsibilities, and regular training and drills. The episo...

In this episode of Faith Stewardship and Insurance, Ron Wadley of Insurance for Texans, delves into important considerations for churches hosting overnight youth events. Focusing on the necessity of special event insurance for offsite activities, Wadley highlights potential gaps in standard church policies and the importance of temporary event insurance. The episode also covers preventative measur...

In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley kicks off a series discussing things that most churches don’t think about until it is too late. He shares a personal story about an incident at his own church involving suspicious activity and how it highlighted the need for preparedness. Key topics include the importance of risk assessments, consistent...

In the final episode of the special series on health insurance for Texas churches, host Ron Wadley from Insurance for Texans discusses the benefits of catastrophic health insurance. He explains how this affordable and often misunderstood insurance option can be a practical and compassionate solution for small churches with tight budgets and minimal staff. Through the story of Tim, an elder managin...

In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses healthcare options tailored for small churches with tight budgets. Focusing on their need to provide for staff's healthcare, Ron outlines three affordable solutions: health sharing ministries, catastrophic health insurance, and supplemental health plans. The podcast highlights the practical ben...

In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses a cost-effective health insurance solution for smaller churches. Self-funded health insurance with stop-loss protection may be a more affordable way for your Church to provide staff benefits. The episode explores how self-funded plans work, their benefits compared to t...

In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses affordable ways churches can provide health benefits to their staff without breaking the budget. The episode explores three key types of supplemental health insurance: accident insurance, critical illness insurance, and indemnity insurance. By offering these options, c...

In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley of Insurance for Texans breaks down the benefits of catastrophic health insurance for churches in Texas. With rising health insurance costs, many churches find it challenging to provide traditional coverage. Ron explains how catastrophic plans can significantly reduce premiums, offer staff more control o...

In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, hosted by Ron Wadley of Insurance for Texans, the critical misconceptions surrounding 'full coverage' in church insurance are dissected. Ron highlights the story of Pastor Mark from Abilene, who faced a painful revelation about his insurance policy when a lawsuit was filed against his church. He delves into three major...

In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the need for comprehensive liability insurance to prevent church funds from being drained by legal fees. Highlighting the real-life example of Pastor David’s church facing costly legal challenges, the episode emphasizes the importance of having a policy that includes defense coverage. Ron outli...

In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the challenges Texas churches face with rising property insurance premiums and introduces the concept of a Risk Purchasing Group (RPG) as a potential solution. Ron explains how RPGs allow churches to pool their buying power to access better insurance pricing and coverage. A case study of a Fort...

In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the critical importance of being prepared for storms and other unforeseen events that can impact Texas churches. Using the example of Pastor Allen's experience in Waco, Ron highlights the necessity of having the right insurance coverage that respects reality rather than relying on wishful think...