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    <title>Faith, Stewardship, &amp; Insurance: Protecting Texas Churches</title>
    <language>en</language>
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    <description><![CDATA[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.]]></description>
    <itunes:author>Ron Wadley</itunes:author>
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      <itunes:email>ron@insurancefortexans.com</itunes:email>
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      <title>Should My Texas Church Bundle Insurance for Our Nonprofit Ministries?</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans discusses bundling insurance products for nonprofit ministries that are operated by Texas Churches. Wadley explains that many church general liability policies were written for limited church activities and may not cover expanded community programs. He notes that risks increase when outreach programs are separate 501(c)(3) entities because they are not covered by the church’s insurance policy. Wadley recommends creating a custom insurance bundle that coordinates property, general liability, commercial auto, and leadership protections while explicitly naming and covering both the church and its distinct nonprofit ministries.

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Introduction
00:34 Why Churches Serve
01:00 Ministry Spaces Tour
01:36 Hidden Liability Gaps
02:39 Insurance New Normal
03:17 Separate Entity Risks
03:58 True Bundle Solution
04:24 Specialist vs Lazy Agent
05:01 Call to Action
05:36 Final Encouragement 
]]></description>
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      <pubDate>Fri, 03 Jul 2026 10:00:00 +0000</pubDate>
      <itunes:duration>363</itunes:duration>
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      <title>Strategic Ways for Small Churches to Save on Insurance Premiums in Texas</title>
      <description><![CDATA[Host Ron Wadley addresses Texas small church leaders facing steep insurance renewal increases. He explains that storm losses and rising costs have shaken Texas property and casualty insurance, prompting carriers to exit, raise rates, and tighten underwriting. This has left small congregations feeling abandoned. Wadley notes a shift in the 2026 market as new insurers enter Texas. They are selective and reward churches that document risk management. He also recommends strategic policy structures—such as higher wind and hail deductibles and tools like hail buy-down policies—to reduce premiums.

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Introduction
00:35 Sticker Shock Story
01:47 Why Rates Spiked
02:27 New Market Opportunity
02:55 Prove Your Risk
03:29 Deductible Strategy
04:27 Choose Specialists
05:05 Call to Action
05:31 Closing Message 
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      <pubDate>Thu, 02 Jul 2026 10:00:00 +0000</pubDate>
      <itunes:duration>357</itunes:duration>
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    <item>
      <title>Cheap Texas Church Insurance Isn't Always Better</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans explains why Texas church finance committees should look beyond lower premiums and focus on total cost of risk. Using a story of Steven, a Fort Worth church leader tempted by a friend’s 15% insurance savings, the episode highlights questions about reduced limits, changed roof coverage, and hidden deductibles. Wadley notes the Texas church insurance market is shifting with some carriers reducing church property coverage or leaving the state all together. And there are newer companies who compete on price. He warns that cheaper policies may have hidden language that would lead to costly out of pocket expenses when you file a claim.

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Introduction
00:41 Budget Pressure Story
01:43 Questions About Cheaper
02:26 Texas Market Shifts
03:24 Hidden Policy Traps
04:32 Total Cost Of Risk
04:43 Next Steps And Closing 
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      <itunes:duration>338</itunes:duration>
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    <item>
      <title>How to Compare Church Insurance Policies in 2026</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans explains why comparing church insurance proposals in Texas for 2026 can paralyze finance committees. He illustrated this concept by using the story of Len, who is a  church finance chair comparing three insurance quotes. Wadley notes the market now has more carrier options and competition, but policies may hide reduced protection in fine print. Quotes often differ because agents use different processes, carriers, and coverage forms, including admitted versus non-admitted surplus lines carriers. He highlights three common “gotchas” to check: roof coverage changes from replacement cost to actual cash value or roof sub-limits/schedules, third-party facility exclusions for weddings or community use (especially when fees are charged), and whether legal defense costs are inside or outside liability limits. 

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Introduction
00:28 The Renewal Dilemma
00:41 Len’s Quote Confusion
02:16 Why Quotes Don’t Match
03:39 Three Common Gotchas
03:51 Gotcha One Roof Limits
04:26 Gotcha Two Facility Exclusions
04:49 Gotcha Three Defense Costs
05:24 Choose an Advisor
05:33 Resources and Closing 
]]></description>
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      <pubDate>Tue, 30 Jun 2026 10:00:00 +0000</pubDate>
      <itunes:duration>383</itunes:duration>
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      <title>Texas Church Insurance: Protection for Your Building and Your People</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans explains the two core pillars of church insurance for Texas churches: structural property protection and comprehensive liability coverage. Using the story of Leslie, a Waco church leader seeking insurance to secure a bank loan for a new building, the episode breaks down key terms and needs. Property insurance protects buildings and church personal property from perils like fire, storms, theft, and vandalism. Ron also discusses the differences between replacement cost value and actual cash value. Liability coverage includes general liability for on-premises accidents, pastoral liability for counseling-related risks, sexual misconduct liability, and D&O insurance for elders, deacons, and trustees.

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Intro
00:25 Why Insurance Matters
01:40 Two Pillars Overview
02:08 Property Insurance Basics
02:41 Valuation and Roof Claims
03:15 Specialized Gear Coverage
03:29 Liability Insurance Basics
04:00 Pastoral and Misconduct Risks
04:37 D&O for Church Leaders
04:59 Stewardship and Next Steps
05:37 Closing Message 
]]></description>
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      <pubDate>Mon, 29 Jun 2026 10:00:00 +0000</pubDate>
      <itunes:duration>364</itunes:duration>
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    <item>
      <title>Insurance for Church Operated Private Schools in Texas </title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans explains why a Texas church’s existing insurance typically does not automatically cover a church-run private school. Operating five days a week and working with students adds liability exposures that churches don’t typically face. Using the example of Beth, a new headmaster preparing an Austin church campus for a school, the episode outlines the specialized coverage a private school needs. Wadley recommends a standalone private school insurance policy and adding the church as an additional insured. This protects the church from school-related claims while keeping financial structures separated.

Connect with our church insurance team at insurancefortexans.com

Get your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Introduction
00:26 A School Dream Begins
01:14 New Risks Emerge
01:45 Church Policy Gaps
02:41 Essential School Coverages
03:18 Best Practice Setup
03:53 Get Expert Help
04:38 Closing Reminder 
]]></description>
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      <pubDate>Fri, 26 Jun 2026 10:00:00 +0000</pubDate>
      <itunes:duration>304</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Small Texas Churches Can Still Face Big Church Liabilities </title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans explains that small Texas churches can face the same costly lawsuits as large churches. They also often have greater exposure due to heavy reliance on volunteers and fewer formal policies. Through the example of Amy, a children’s ministry director near Lubbock, the episode highlights how legal defense costs don’t depend on church size or budget. Wadley outlines key coverages in a customized church liability plan: general liability for on-site injuries and property damage, pastoral liability for counseling-related claims, abuse and molestation liability, and directors and officers (D&O) insurance to protect board members’ personal assets. 

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Show Introduction
00:26 Small Church Big Risks
00:39 Amy's Wake Up Call
02:23 Why Size Doesn't Matter
03:11 Beyond Cheap Policies
03:29 General Liability Basics
03:55 Pastoral Counseling Coverage
04:14 Abuse Molestation Coverage
04:23 Board Protection D&O
04:48 Build a Custom Plan
05:08 Next Steps Resources
05:42 Closing Reminder 
]]></description>
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      <pubDate>Thu, 25 Jun 2026 10:00:00 +0000</pubDate>
      <itunes:duration>367</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>Is Your Church's Safety Team Trained in Deescalation?</title>
      <description><![CDATA[Host Ron Wadley concludes a church safety series by explaining how to build a hospitality-first safety team for Texas churches. He contrasted an armed, reaction-focused model with a safety ministry centered on welcoming, observing, and protecting. He recounts an Austin-area incident where safety team member Stacy calmly de-escalated an angry man during a Sunday morning service. Wadley discusses how churches must train volunteers to recognize common disruptions and use protocol-driven verbal de-escalation. He notes insurers ask about and value documented de-escalation training and require clear protocols before extending liability coverage.

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Introduction
00:26 Hospitality First Safety
00:40 Austin Disruption Story
01:26 Stacy De Escalates
02:47 Safety Ministry Model
03:07 Training And Protocols
03:50 Insurance And Liability
04:47 Hospitality First Blueprint
04:56 Resources And Closing 
]]></description>
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      <pubDate>Wed, 24 Jun 2026 10:00:00 +0000</pubDate>
      <itunes:duration>358</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>Does Your Church's Liability Insurance Exclude Firearms Coverage?</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans explains that forming an armed volunteer security team changes a Texas church’s financial future because it changes the church’s risk profile. An armed safety team may not be covered by a standard general liability policy. Using a board-meeting story from an Abilene church, he highlights how some policies include firearms exclusions, strict limits on security activities, or require extensive underwriting before covering an organized safety ministry. Once a church designates members as security personnel with posts, procedures, or badges, insurers want to know selection criteria, background checks, training, and documentation. Wadley notes that even well-intended, heroic actions can still lead to costly lawsuits and stresses verifying coverage rather than assuming protection.

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Introduction
00:26 The Big Coverage Question
00:38 Board Meeting Story
01:58 Insurance Reality Check
02:43 How Underwriters See Risk
03:45 Good Intentions Still Get Sued
04:21 Firearms Exclusions Explained
05:06 Verify Coverage Next Steps
05:45 Closing Reminder 
]]></description>
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      <pubDate>Tue, 23 Jun 2026 10:00:00 +0000</pubDate>
      <itunes:duration>370</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>How to Build a Church Safety Team in Texas</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans examines what qualifications volunteer church security members actually need in Texas. He illustrates this with a Lubbock church where a passionate armed volunteer with a known temper was declined to serve on the team. Through a formal screening process of background checks, references, and character standards, they found this person to be unsuitable for the team. The episode stresses that temperament, deescalation skills, and calm judgment matter most for church safety team volunteers. Most incidents involve disputes, disruptive visitors, domestic conflicts, medical emergencies, or mental health episodes rather than weapons. Wadley recommends comprehensive ongoing training in use-of-force laws, communication, child protection, and mass-trauma response, and offers USCCA-supported frameworks and risk assessments.

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty at thepromiseofcertainty.com


00:00 Show Introduction
00:25 The Key Question
00:35 Frank’s Cautionary Tale
02:36 Why Temperament Matters
04:00 Character First Screening
04:26 Training Beyond Firearms
05:14 Stewardship and Next Steps
05:51 Closing Reminder 
]]></description>
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      <pubDate>Mon, 22 Jun 2026 10:00:00 +0000</pubDate>
      <itunes:duration>375</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>Texas SB 694 Is Not Complete Protection  for Armed Security Volunteers</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans closes a five-part church safety series by explaining Texas Senate Bill 694 and why churches can still face major costs without proper insurance. He describes a Fort Worth church incident where volunteer security members with licenses to carry stopped an armed threat, but a stray bullet injured a first-time visitor who later sued for negligence. Although the court dismissed the civil case under SB 694’s civil immunity protections, the church still incurred $80,000 in attorney’s fees, which their insurer denied due to a firearms exclusion in the general liability policy. Wadley emphasizes that immunity from liability is not immunity from being sued, and urges church leaders to have experts review risks and eliminate coverage gaps.

Connect with our church insurance team at insurancefortexans.com

Get your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Introduction
00:26 Series Finale Focus
00:51 Sunday Morning Scenario
01:33 Threat Stopped Fast
02:18 Civil Lawsuit Fallout
04:12 Immunity Not Lawsuit Proof
05:19 Get Proper Coverage
05:52 Closing Reminder ]]></description>
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      <pubDate>Fri, 12 Jun 2026 09:59:59 +0000</pubDate>
      <itunes:duration>376</itunes:duration>
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      <title>What is an Affordable Way to Protect a Church Security Team?</title>
      <description><![CDATA[Host Ron Wadley continues part four of a five-part church safety series, addressing how Texas churches can train an armed volunteer safety team without excessive costs or insurance problems. Using a story about Phil who heads his church’s security team, the episode contrasts an expensive private tactical academy with an alternative partnership between Insurance for Texans and the United States Concealed Carry Association (USCCA). Wadley argues a Texas License to Carry course is inadequate for church security needs because it lacks coordinated team skills and de-escalation training. While the USCCA provides a consistent, documented, recurring curriculum that insurers can trust for risk management. The episode also highlights USCCA membership legal defense resources for individual volunteers, helping protect them and reduce secondary liability for the church.

Connect with our church insurance team at insurancefortexans.com

Get your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Intro
00:26 Series Setup
00:46 Phil’s Budget Dilemma
01:52 Affordable Training Option
02:47 Why LTC Isn’t Enough
03:31 USCCA Training Standards
04:14 Legal Defense Backstop
05:31 Wrap Up and Next Steps ]]></description>
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      <pubDate>Thu, 11 Jun 2026 09:59:59 +0000</pubDate>
      <itunes:duration>396</itunes:duration>
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      <title>Do Church General Liability Policies Cover Armed Volunteers?</title>
      <description><![CDATA[Host Ron Wadley continues a church safety series by warning Texas churches about firearms exclusions hidden in standard commercial general liability policies. He recounts a scenario at a mid-sized Abilene church where a licensed volunteer security team member’s handgun accidentally discharged in the parking lot, damaging a visiting family’s minivan. The church’s claim was denied because the policy excluded firearms used by non-law-enforcement personnel. Wadley explains that CGL coverage is built for common accidents like slips and falls, not injuries from weapon discharges. He contrasts armed volunteers with off-duty police or licensed security and urges churches to discuss armed security openly with knowledgeable agents and add specific endorsements.

Connect with our church insurance team at insurancefortexans.com

Get your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Show Introduction
00:26 Firearms Exclusion Explained
00:38 Abilene Parking Lot Incident
02:00 Claim Denied Reality Check
03:10 Why Standard Liability Fails
04:04 Volunteers vs Professionals
04:51 How To Get Covered
05:29 Call To Action And Wrap Up ]]></description>
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      <pubDate>Wed, 10 Jun 2026 10:00:00 +0000</pubDate>
      <itunes:duration>380</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>Does Your Church Have a Plan After the Threat Is Over?</title>
      <description><![CDATA[Host Ron Wadley focuses this episode of his church safety series on the critical minutes after an active threat is neutralized. He uses the story of a church in Northwest San Antonio as an example. Wadley argues many volunteer teams prepare for confrontation but not post-event medical response. He also emphasizes drilled protocols for law enforcement arrival to prevent mistaken-identity shootings, congregation relocation and reunification, preserving the sanctuary as a crime scene, and maintaining documented plans and training to reduce negligent-security lawsuit risk.

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty at thepromiseofcertainty.com


00:00 Show Intro
00:26 Series Setup
00:41 San Antonio Incident
01:42 Triage After Threat
02:16 First Aid Nonnegotiable
03:02 Police Arrival Protocol
04:16 Crime Scene And Liability
05:09 Coverage And Resources
05:56 Final Charge ]]></description>
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      <pubDate>Tue, 09 Jun 2026 10:00:00 +0000</pubDate>
      <itunes:duration>382</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>Why An Informal Church Safety Plan is Not Wise Stewardship</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans launches a five-part church safety series. In this episode, he explains why informal security teams put Texas churches at risk. Using the story of Mary’s Waco church, he describes how a church with trusted armed volunteers but no written procedures, training logs, or use-of-force policies was non-renewed by its insurer for unmanaged risk. He notes underwriters increasingly view unwritten volunteer security as a liability that can lead to lawsuits if situations are mishandled. Wadley argues churches must adopt a formal, written security plan with a standard operating procedure (SOP) detailing use-of-force continuum, communication protocols, and incident reporting.. He discusses Insurance for Texans’  partnership with USCCA to provide training.

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Show Introduction
00:26 Series Kickoff Church Safety
00:38 Marys Informal Safety Team
01:10 Insurance Renewal Wakeup Call
02:21 Why Underwriters Reject Informal Teams
03:13 What A Defensible SOP Includes
04:16 Training Help With USCCA
05:08 Call To Action And Resources
05:42 Closing Mission Reminder ]]></description>
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      <pubDate>Mon, 08 Jun 2026 10:59:59 +0000</pubDate>
      <itunes:duration>369</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Don't Risk Your Church's Future with a Generic Online Quote</title>
      <description><![CDATA[Host Ron Wadley explains how Texas church leaders can be misled by cheap online insurance quotes in 2026. He says that stable or lower premiums often hide reduced property and liability protection. He warns that algorithms don’t account for ministry activities or key safeguards like safety manuals, child protection protocols, and facility use agreements. Some platforms route churches to non-admitted carriers that are not backed by the Texas State Guarantee Fund. Wadley urges leaders to evaluate the total cost of risk by reviewing declarations pages, sub-limits, deductibles, and payout definitions such as replacement cost versus actual cash value. He highlights commonly missed coverages including stained glass and pipe organ limits, directors and officers, pastoral professional liability, abuse and molestation, and hired/non-owned auto coverage.

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty at thepromiseofcertainty.com


00:00 Show Introduction
00:29 The Cheap Quote Trap
02:01 Why Algorithms Miss Ministry
02:21 Non Admitted Carrier Risks
02:57 Coverage Gaps That Hurt
04:03 Shrinkflation In Policies
04:43 Read The Declarations Page
04:54 Stewardship And Next Steps
05:33 Closing Reminder ]]></description>
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      <pubDate>Fri, 05 Jun 2026 09:59:59 +0000</pubDate>
      <itunes:duration>358</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>Is Your Church's Insurance Agent an Expert?</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans explains how church leaders should choose an insurance advisor. He uses a story about executive pastor David Miller in Tyler who receives a renewal with a flat premium and realizes it may hide dangerous coverage gaps. Wadley argues the best broker is a dedicated Texas church insurance specialist, not a generic local agent or fast online quote. Churches face distinct risks and need coverage such as pastoral professional liability, directors and officers, and employment practices liability. He emphasizes Texas-specific expertise for property valuation to avoid coinsurance penalties after storms and proper hired and non-owned auto protections. 

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Introduction
00:40 A Flat Renewal Surprise
01:33 Hidden Coverage Gaps
02:20 Why Churches Need Specialists
03:09 Texas Specific Risks
03:31 Advice Beats Fast Quotes
03:52 Stewardship and Next Steps
04:39 Closing Reminder ]]></description>
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      <pubDate>Thu, 04 Jun 2026 10:00:00 +0000</pubDate>
      <itunes:duration>305</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>A Dangerously Fatal Assumption About Church Insurance</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans explains how Texas church leaders can build a comprehensive insurance plan to avoid dangerous coverage assumptions. He shares a rural East Texas church case where a board let a trusted leader run a preschool in a church building. They assumed that her business policy protected the church, and did not buy their own liability coverage or ensure they were named as an additional insured. When the preschool policy lapsed for 18 days, a child was injured and the resulting lawsuit named the school, leader, pastor, and board. It forced the church to pay a $5,000 legal retainer, which was almost half of their yearly church budget.

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Show Introduction
00:34 Why Coverage Matters
01:30 East Texas Cautionary Tale
02:17 The Fatal Assumption
02:52 When Coverage Lapsed
04:11 Building Full Protection
04:49 Promise of Certainty
05:13 Next Steps and Resources
05:48 Final Encouragement ]]></description>
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      <pubDate>Wed, 03 Jun 2026 09:59:59 +0000</pubDate>
      <itunes:duration>374</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>Texas Church Insurance Premiums and Deductibles </title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans explains the tension Texas church finance committees face between rising premiums and deductible exposure. He uses the story of a church in Temple, TX to illustrate this issue. He clarifies that premiums represent what insurers charge to assume part of a church’s financial risk, and that skyrocketing Texas catastrophe and liability losses have driven prices up. Wadley warns that chasing low premiums often shifts risk back to churches through higher percentage wind/hail deductibles and reduced coverage, such as moving from replacement cost to actual cash value, which can severely reduce claim payouts. He urges churches to evaluate the total cost of risk against reserves and ministry budgets.

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Show Introduction
00:26 Premiums Versus Deductibles
00:42 Temple Committee Story
01:39 Premiums Are Risk Transfer
02:08 Deductible Shrinkflation
02:56 Percentage Deductible Math
03:27 Hidden Coverage Pitfalls
03:58 Total Cost Of Risk
04:44 Get Expert Help
05:24 Wrap Up And Reminder ]]></description>
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      <pubDate>Tue, 02 Jun 2026 10:00:23 +0000</pubDate>
      <itunes:duration>349</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>The Dangers of a Quiet Church Insurance Agent</title>
      <description><![CDATA[Host Ron Wadley warns Texas pastors and church leaders that fast, question-free insurance quotes are a dangerous sign that no one is doing the work needed to protect a church’s mission. He explains that churches have people-driven exposures that make them unlike typical commercial buildings. He also discusses how mostly identical churches can still have vastly different liability risks. Wadley says agents who focus only on basics don’t truly understand church risk. They may compete on price alone by quietly reducing coverage, lowering liability limits, adding restrictive exclusions, or switching roofs to actual cash value settlements. 

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Introduction
00:45 Fast Quotes Trap
01:40 Agents Must Ask
02:13 Churches Aren't Buildings
02:50 Customize Real Coverage
03:30 Price Cuts Risks
04:18 Renewal Blind Spots
04:43 Next Steps and Closing ]]></description>
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      <pubDate>Mon, 01 Jun 2026 09:59:59 +0000</pubDate>
      <itunes:duration>308</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>How to Find the Promise of Certainty </title>
      <description><![CDATA[Host Ron Wadley closes the special series from his book, The Promise of Certainty, by tying together Texas-specific risk realities, the 12 essential church coverages, and a three-part framework to help leaders use insurance as a proactive leadership tool rather than just another bill. He urges church leaders to use the 12 coverages as a checklist in conversations with their insurance agent, identify blind spots, and press for clarity to close gaps. Citing sobering disaster and premium impacts in Texas, he highlights the financial, emotional, and spiritual consequences when coverage fails. He also shares a personal story about how life insurance helped his family after his father’s death. 

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Series Finale Kickoff
00:40 12 Coverages as a Conversation
01:15 Three Step Leadership Lens
01:47 Promise of Certainty Defined
02:17 Why This Matters in Texas
03:52 Personal Story and Urgency
04:31 Your Next Three Actions
04:55 Resources and Final Charge
05:31 Closing Reminder
]]></description>
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      <pubDate>Fri, 01 May 2026 11:00:00 +0000</pubDate>
      <itunes:duration>359</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>The Ultimate Act of Stewardship</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans concludes a series on essential church coverages by focusing on key person life insurance. This is for mission-critical leaders, especially senior pastors whose loss can trigger emotional and financial disruption for churches. He explains that key leader life insurance provides a financial safety net so a church can grieve, stabilize its budget, and search for a successor without immediate collapse, while also supporting the leader’s family. Wadley shares a personal story of his father, Pastor Rick, whose life insurance policy sustained his mother for over 20 years after his sudden death. He recommends four actions: identify mission-critical roles, match coverage to potential financial loss, keep policies updated, and pair insurance with a succession plan.

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Intro
00:26 Why Key Leader Coverage
00:51 Financial Shock After Loss
01:12 Key Person Insurance Explained
01:43 Personal Story Pastor Rick
02:24 Four Steps To Prepare
02:54 Stewardship And Next Steps
03:25 Closing And Resources
]]></description>
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      <pubDate>Thu, 30 Apr 2026 11:00:00 +0000</pubDate>
      <itunes:duration>249</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>Protection for When the Waters Rise</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans explains why Texas churches should evaluate flood insurance. Most property policies exclude damage from flood waters. FEMA defines a flood as water covering two or more acres of normally dry land or affecting two or more properties, often from overflowing rivers, storm surge, or rapid runoff. He warns that standard property and windstorm policies do not cover these events. Churches near rivers, creeks, bayous, or low-lying areas can face catastrophic losses from stalled storms, with “500-year” floods occurring more than once per decade. He outlines five considerations: check FEMA flood maps, understand the difference between wind-driven rain and floodwater, review deductibles and limits, store equipment/documents off the floor, and use mitigation tools like sump pumps and flood barriers. 

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Show Intro
00:25 Why Flood Insurance Matters
00:37 Flood Definition and Exclusions
01:21 Five Flood Risk Checks
01:45 Coverage and Mitigation Tips
02:00 Mission and Next Steps
02:35 Closing and Teaser
]]></description>
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      <pubDate>Wed, 29 Apr 2026 10:59:59 +0000</pubDate>
      <itunes:duration>186</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Workers' Compensation for Texas Church Employees</title>
      <description><![CDATA[Host Ron Wadley explains that although workers’ compensation is technically optional in Texas, churches with employees should treat it as essential protection for both staff and the ministry. He notes that workers’ comp covers medical expenses, lost wages, and other injury-related costs for church employees while also limiting a church’s exposure to lawsuits. He highlights common church workplace injuries and warns that even minor incidents can become major disputes without coverage. He recommends four safeguards: carry workers’ comp  insurance, train staff on safe lifting and hazard awareness, keep walkways clear and well lit, and encourage prompt injury reporting to start claims quickly.

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
00:26 Why Workers Comp Matters
00:46 How Coverage Protects Churches
01:26 Common Church Injury Claims
01:58 Four Steps to Reduce Risk
02:21 Final Warning and Next Steps
02:57 Closing Encouragement
]]></description>
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      <pubDate>Tue, 28 Apr 2026 11:00:00 +0000</pubDate>
      <itunes:duration>200</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>Cover Church Events and Trips</title>
      <description><![CDATA[Host Ron Wadley of Insurance For Texans continues the series from his book, the Promise of Certainty,  by highlighting overlooked risks in church events and mission trips. He explains that standard Texas liability policies may exclude special events unless endorsed and often exclude bounce houses/inflatables. These exclusions make accidents like falls, food poisoning, or trip-and-fall incidents potentially costly. He recommends adding special event coverage, requiring vendor insurance and additional insured status, documenting safety measures, using trained volunteers in high-risk areas, and reviewing cancellation coverage for ticket-dependent events. He also notes that standard property and liability coverage typically stops off-campus, so churches should obtain mission trip/travel coverage for these trips. It covers medical emergencies, evacuation, lost baggage, and trip interruption. 

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Intro
00:27 Series Focus and Risks
00:40 Event Risks Explained
01:23 Six Event Safety Steps
02:13 Mission Trip Coverage
03:00 Five Travel Prep Steps
03:37 Wrap Up and Next Episode
]]></description>
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      <pubDate>Mon, 27 Apr 2026 11:00:00 +0000</pubDate>
      <itunes:duration>280</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>Protecting Churches in a Digital World: Cyber and Media Liability Insurance </title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans wraps up week three of a series from the book The Promise of Certainty, focusing on protecting Texas churches from cyber and media threats. He explains that churches using online giving, email newsletters, and cloud-based member databases are targets for hackers. Data breaches can generate rapidly escalating costs for regulatory reporting, forensics, legal defense, and credit monitoring that may exceed standard policy limits, so a standalone cyber policy is recommended. Practical safeguards include multi-factor authentication, phishing training, offline backups, verifying account changes, and confirming coverage. Wadley also covers media liability risks from livestreams and social media, noting potential claims like defamation or invasion of privacy.

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
00:25 Cyber Risks Overview
00:58 Coverage Gaps and Limits
01:31 Cyber Safety Checklist
02:18 Media Liability Explained
03:03 Protecting Your Message
03:38 Next Steps and Closing
]]></description>
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      <pubDate>Fri, 24 Apr 2026 11:00:04 +0000</pubDate>
      <itunes:duration>273</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>Church Insurance to Protect Children and Volunteers</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans continues step three of his framework: what you need. Today, he is focusing on abuse and molestation coverage and directors and officers (D&O) insurance. He explains that churches serving children, youth, or vulnerable adults need strong abuse coverage because even a single accusation can cause severe financial and reputational harm. He urges higher limits and attention to whether defense costs are inside or outside of limits. He outlines seven prevention measures: screening and training workers, two-adult policies, check-in/out procedures, documenting attendance and room assignments, locked storage of records, educating on grooming signs, and reviewing exclusions for defense and indemnity. He then emphasizes D&O coverage to protect volunteer board members from personal liability.

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Show Introduction
00:25 Why Abuse Coverage Matters
01:01 Policy Limits and Defense Costs
01:31 Seven Prevention Steps
02:48 Directors and Officers Coverage
03:35 Protecting Board Decisions
04:14 Resources and Closing Charge
]]></description>
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      <pubDate>Thu, 23 Apr 2026 11:00:00 +0000</pubDate>
      <itunes:duration>304</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>Church General Liability and Pastoral Liability Insurance </title>
      <description><![CDATA[Host Ron Wadley continues step three of his church insurance framework from The Promise of Certainty. Today, he is focusing on general liability and pastoral (professional) liability coverages. He explains general liability as baseline protection for routine third-party injury claims at church activities. He recommends tightening basics through additional insured status, written event checklists, certificates of insurance from outside groups, practical medical payments limits, special event endorsements for higher-risk activities, and volunteer hazard training. Wadley then distinguishes pastoral liability as coverage for allegations arising from counseling and ministry guidance.

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
00:25 Framework and Coverage Overview
00:53 General Liability Basics
01:23 Limits and Umbrella Coverage
01:34 Reducing Liability Claims
02:12 Pastoral Liability Explained
02:56 Pastoral Risk Safeguards
03:41 Wrap Up and Next Steps
]]></description>
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      <pubDate>Wed, 22 Apr 2026 11:00:00 +0000</pubDate>
      <itunes:duration>282</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Property Insurance Insights for Texas Churches</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans begins a deep dive into step three of his church protection framework. He emphasizes stewardship through wise planning and understanding coverage needs based on current ministry activities. He outlines four purposes of church insurance—protecting the building and contents, protecting leaders and volunteers, guarding against unexpected events that could stop ministry, and preserving the ability to continue after loss. He then introduces the first of 12 coverages every Texas church should consider: property insurance. Wadley explains what property insurance covers. He gives seven checks for proper coverage, including replacement cost, contents coverage, wind/hail deductibles, roof details, business income/extra expense, and readiness for inspections on older buildings.

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Intro
00:26 Stewardship Framework Step Three
01:05 Four Purposes of Insurance
01:34 Coverage Types Overview
02:41 Property Insurance Basics
03:20 Texas Premiums Rising
03:52 Seven Policy Checks
05:00 Wrap Up and Next Steps
]]></description>
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      <pubDate>Tue, 21 Apr 2026 11:00:00 +0000</pubDate>
      <itunes:duration>354</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>The Future Focused Framework for Texas Churches</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans continues with a series taken from the Promise of Certainty. This week, he is moving from step one (where you are now) to step two, the visionary side of stewardship (where you’re headed). He explains that churches have different callings and insurance planning should support what the church is becoming. He highlights core risk realities: buildings need coverage, programs require liability protection, and leading people carries risk. Wadley introduces a future-focused framework built on three questions about future-back vision, calling and clarity, and operational/leadership stability to design an insurance plan that reinforces mission and sustainability. 

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Introduction
00:29 Step Two Vision
01:05 Risk and Coverage Basics
01:28 Future Focused Framework
01:33 Three Year Vision
01:55 Calling and Clarity
02:23 Stability and Systems
03:00 Align Insurance to Mission
03:27 Next Steps and Resources
03:59 Final Encouragement
]]></description>
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      <pubDate>Mon, 20 Apr 2026 10:59:59 +0000</pubDate>
      <itunes:duration>266</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>The Life Cycle of Risk (Your Growing Church)</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans wraps up week two of a series on church growth by covering phases three through five and how insurance needs change as churches expand. Phase three, the seven-day church with a permanent lease and weekday activities. This phase requires coverage beyond general liability, including pastoral liability for counseling, abuse and molestation coverage for youth programs, and workers’ comp as staff are hired. Phase four is becoming a property owner. It brings the need for full property insurance and other insurance policies such as cyber liability insurance. Phase five is the megachurch with large or multiple campuses and programs like schools or counseling centers. This phase involves complex risks and additional insurance needs.

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 Intro
00:26 Series Setup
00:47 Phase Three Seven Day Church
01:30 Phase Four Property Owner
02:10 Phase Five Mega Church
02:50 Coverage Must Match Reality
03:15 Next Week And Resources
03:35 Closing Charge
]]></description>
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      <pubDate>Fri, 17 Apr 2026 11:00:00 +0000</pubDate>
      <itunes:duration>239</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>The Life Cycle of Risk (In The Beginning)</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans explains how a church’s risk profile changes through its life cycle. This episode is focused on the first two growth phases. In phase one, the “living room church,” gatherings are small and informal with no building, payroll, or corporate structure. Risks are largely personal and typically covered under the homeowner’s insurance, so commercial church insurance is generally unnecessary. In phase two, the “portable church,” the church rents spaces such as school cafeterias, movie theaters, or rec centers, creating an increase in exposure. Leases commonly require general liability coverage so the church, not the landlord, is responsible for accidents. He also recommends inland marine coverage to protect frequently transported equipment like sound systems and nursery gear. 


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
00:26 Church Growth Life Cycle
00:54 Phase One Living Room
01:26 Phase Two Portable Church
02:03 Portable Phase Coverage
02:37 Next Steps and Wrap Up
]]></description>
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      <pubDate>Thu, 16 Apr 2026 10:59:59 +0000</pubDate>
      <itunes:duration>218</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>The Geography of Risk (Part 2)</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans continues a risk tour of Texas in step one of his framework: understanding where your church is now. By mapping where a church is located, we can understand risks before building coverage. He highlights East Texas Piney Woods humidity and red clay that won’t absorb water, leading to floods. Gulf Coast South Texas heat that accelerates roof and AC wear plus the inevitability of hurricanes. Central Texas Hill Country flash flood alley, where steep, rocky terrain causes rapid runoff and sudden emergencies. He stresses that even churches in the same zip code can have different exposures based on elevation, building age, and soil type.

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 Intro
00:26 Mapping Texas Risks
00:43 East Texas Piney Woods
01:25 Gulf Coast Hurricanes
02:18 Hill Country Flooding
02:43 Key Stewardship Lessons
03:11 Next Steps and Closing
]]></description>
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      <pubDate>Wed, 15 Apr 2026 10:59:59 +0000</pubDate>
      <itunes:duration>237</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>The Geography of Risk (Part 1)</title>
      <description><![CDATA[Host Ron Wadley of Insurance For Texans introduces the first step of a three-step framework: understanding where a church stands today. He explains that insurers often start with a church’s zip code, but relying only on that can leave churches incorrectly insured because Texas risks vary widely by region. Wadley outlines key regional exposures: the Texas Panhandle’s extreme heat and cold, wildfires, and especially frequent baseball-sized hail that can total roofs; North Texas and the DFW Metroplex’s routine tornado threats, high hail claims, aging buildings, roof leaks, rising city crime, and resulting premium increases; and West Texas’s persistent drought, long distances, and fast-moving wildfires driven by strong winds. 

Connect with our church insurance team at insurancefortexans.com

Download a free copy of our book at thepromiseofcertainty.com


00:00 Show Introduction
00:25 Framework Step One
00:39 Zip Code Isn’t Enough
01:02 Panhandle Weather Risks
01:37 North Texas Threat Map
02:12 West Texas Fire Reality
02:46 Next Steps and Resources
03:15 Closing Reminder
]]></description>
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      <pubDate>Tue, 14 Apr 2026 10:59:59 +0000</pubDate>
      <itunes:duration>220</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>The Three Part Framework of Texas Church Insurance</title>
      <description><![CDATA[Host Ron Wadley of Insurance For Texans introduces week two of a series based on the book The Promise of Certainty. This week, he is shifting from principles of risk to a practical three-part framework for church insurance: where your church is now, where it’s headed, and what it needs to get there. He explains that when these elements align, insurance becomes a tool that supports a church’s mission rather than just a bill. Wadley shares a personal story about his father, Pastor Rick, who led a small Texas Panhandle church. After a midnight tornado destroyed the church building, the family and congregation were safe and Pastor Rick had practical peace from being prepared. 


Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book at thepromiseofcertainty.com


00:00 Show Intro
00:26 Series Setup
00:43 Three Part Framework
01:08 Pastor Rick Story
01:43 Tornado Night
02:17 Preparedness Lesson
02:54 Next Steps and Resources
03:15 Closing Reminder
]]></description>
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      <pubDate>Mon, 13 Apr 2026 11:00:00 +0000</pubDate>
      <itunes:duration>220</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>The Beauty of a Boring Story</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans wraps up foundational principles from The Promise of Certainty, emphasizing two rules for church leaders: ask questions and boring is beautiful.  He contrasts triangle mode, where churches make fast, premium-driven insurance decisions with little information that lead to major fallout when claims occur, with a “funnel” approach. That approach front-loads detailed questions about staff, facilities, and ministries so that the church can have a long term stable insurance plan. Wadley explains that insurance should be boring when preparation is done well, illustrating with his church’s children’s ministry training, background checks, and reporting protocols. 


Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Show Intro
00:27 Two Leadership Rules
00:42 Triangle Mode Mistakes
01:06 Funnel Approach Questions
01:34 Boring Is Beautiful
01:57 Church Safety Story
02:43 Systems Prevent Disaster
03:17 Next Week And Resources
03:45 Closing Mission Reminder
]]></description>
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      <pubDate>Fri, 10 Apr 2026 11:00:00 +0000</pubDate>
      <itunes:duration>253</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>You Can’t Buy Peace of Mind After the Fact</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans shares the third core principle from his book The Promise of Certainty. You can’t buy peace of mind after the fact. He emphasizes that stewardship requires preparation before disaster strikes. He contrasts treating insurance like a “fire extinguisher” with building a solid foundation early. He illustrates this principle with client Wayne, who initially focused on the price of his insurance instead of the protection it affords. After some discussion,  he added specialized coverage for antique firearms. Three months later, there was a fire that started in his garage. That preplanned coverage enabled restoration of every heirloom and supported a $2 million claim that rebuilt his house. 

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
00:26 Principle Three Setup
00:52 Wayne Fire Lesson
01:43 Coverage Pays Off
02:11 2008 Crash Parallel
02:55 Build Before Storm
03:28 Next Steps Resources
03:43 Closing Mission Reminder
]]></description>
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      <pubDate>Thu, 09 Apr 2026 11:00:00 +0000</pubDate>
      <itunes:duration>248</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>There’s No Excuse for Dumb Risk</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans continues the “Promise of Certainty” series with the second principle: there’s no excuse for dumb risk. Building on the idea that risk follows patterns, he explains that risk exists on a sliding scale and defines dumb risk as avoidable, obvious, and potentially devastating. He stresses that identifying and removing dumb risk is not fear-driven but an act of wisdom and love for those a church serves. Wadley cites the Camp Mystic flood tragedy, describing how warnings and forecasts prompted nearby camps to evacuate while Camp Mystic waited. This led to dangerous rescues and loss of life. He urges church leaders to address obvious vulnerabilities.

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Intro
00:29 Series Principle Two
00:44 What Dumb Risk Means
01:28 Camp Mystic Tragedy
02:33 Church Examples
03:00 Audit and Resources
03:26 Closing Charge
]]></description>
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      <pubDate>Wed, 08 Apr 2026 10:59:59 +0000</pubDate>
      <itunes:duration>231</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>The Myth of the Random Storm</title>
      <description><![CDATA[Host Ron Wadley of Insurance For Texans introduces the show’s first core principle from the book The Promise of Certainty: risk isn’t random. He challenges the “acts of God” mindset by noting that hail-prone areas and floodplains are known. The bigger issue is people assuming disasters happen to others. Using the Dallas–Fort Worth area and the December 26, 2015 EF4 tornado as an example, he explains that warning signs were visible to those who knew what to look for. Wadley argues that much of what seems random follows predictable patterns, and churches should prepare by acknowledging risk and planning ahead.

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 Intro
00:26 Principle One Overview
00:37 Acts of God Myth
01:18 DFW Storm Seasons
01:35 2015 Tornado Case
02:06 Heat Dome Effect
02:56 Patterns Not Random
03:19 Stewardship Call
03:25 Resources and Closing
]]></description>
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      <pubDate>Tue, 07 Apr 2026 11:00:00 +0000</pubDate>
      <itunes:duration>247</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>The Sand, The Storm, and The Steward</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans introduces a multi-week series covering core principles from his book, The Promise of Certainty, about Texas church insurance. He explains that while insurance topics like tornado and liability coverage can feel tedious, being unprepared can leave a church facing a severe financial crisis when a disaster occurs. Drawing from his upbringing as a Baptist preacher’s kid and witnessing church leadership burdens, he frames insurance as an issue of leadership and stewardship. Proper coverage is presented as a guardrail that protects a church’s people, property, and mission so ministry can continue. 

Connect with our church insurance team at insurancefortexans.com

Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Introduction
00:25 Series and Book Preview
00:37 Why Insurance Matters
01:09 Personal Story and Calling
01:37 Stewardship and Risk Thinking
02:05 Protecting the Mission
02:36 Next Episode and Resources
02:56 Closing Reminder
]]></description>
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      <pubDate>Mon, 06 Apr 2026 10:59:59 +0000</pubDate>
      <itunes:duration>201</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>How Can Our Church Plan for Risk? Part 2</title>
      <description><![CDATA[Host Ron Wadley continues his conversation with Executive Pastor Liam, shifting from building risks to the church’s most vulnerable areas: people and data. He stresses that children’s outreach creates high legal exposure without a documented safety plan, strong screening practices, two-adult supervision, and a six-month membership rule, plus abuse and molestation insurance. The episode covers training needs for volunteer safety teams and staff risk management through background checks, onboarding materials, and workers’ compensation coverage. Wadley also highlights directors and officers insurance to protect board members’ personal assets and urges churches to adopt data security plans and cyber liability insurance to recover from cyberattacks.

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
00:21 Why People Are Vulnerable
01:14 Child Safety Protocols
02:01 Abuse Coverage Insurance
02:15 Volunteer Security Training
02:39 Staff Hiring And HR
03:08 Workers Comp Essentials
03:23 Board Liability Protection
03:44 Cyber Risk Planning
04:15 Wrap Up And Next Steps
]]></description>
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      <pubDate>Fri, 03 Apr 2026 10:59:59 +0000</pubDate>
      <itunes:duration>315</itunes:duration>
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      <title>How Can Our Church Plan for Risk? Part 1</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans begins a two-part series on assessing church risk. The episode uses the story of Liam, who is an executive pastor in Fort Worth. Ron walks Liam through physical-infrastructure risks in Texas. He talks about the need for proper property coverage, roof durability, and how hail claims, high deductibles, actual cash value payouts, and roof age depreciation can affect recoveries. They review visitor-path hazards like cracked sidewalks, uneven steps, and loose handrails. Ron clarifies what general liability covers, especially legal defense for slip-and-fall and property-damage claims. In the kitchen, they address fire risk through hood suppression inspections, grease trap maintenance, and a written fire safety policy for volunteers. They conclude with facility management priorities, including tracking asset lifespans, addressing outdated electrical systems, and maintaining plumbing.

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
00:26 Why Risk Assessment Matters
00:32 Meet Liam Expansion Plans
01:37 Property Risks Roof Coverage
02:29 Visitor Safety Liability Basics
03:16 Kitchen Fire Safety
03:51 Facility Maintenance Systems
04:46 Wrap Up Next Episode
]]></description>
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      <pubDate>Thu, 02 Apr 2026 11:00:00 +0000</pubDate>
      <itunes:duration>335</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>What Does Church Insurance Actually Cover?</title>
      <description><![CDATA[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
]]></description>
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      <pubDate>Wed, 01 Apr 2026 11:00:00 +0000</pubDate>
      <itunes:duration>366</itunes:duration>
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      <title>How Can Your Texas Church Find the Right Insurance Broker?</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans explains why choosing the right insurance broker is one of a church board’s most important decisions by following the story of a trustee named David in Abilene. He is frustrated with the transactional, generic nature of Texas church insurance. David meets with a captive agent from a national firm and sees the risk of being limited to one carrier, leading him to seek an independent broker who works for the church instead. Wadley describes the True Texas Church insurance approach: starting with questions, learning the church’s DNA, and conducting a deep risk assessment into the church’s activities. David values expertise proven during the hard market, access to A-rated carriers, and strong claims support which he finds at Insurance for Texans.

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
00:29 Why Broker Choice Matters
00:40 Meet Trustee David
01:19 Captive Agent Red Flags
01:49 Independent Broker Approach
02:03 Deep Dive Risk Review
02:15 Hard Market Experience
02:43 Carrier Access and Claims
03:11 Claims Support and Repairs
03:35 Stewardship Peace of Mind
04:01 Connect and Resources
04:22 Closing Mission Reminder
]]></description>
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      <pubDate>Tue, 31 Mar 2026 10:59:59 +0000</pubDate>
      <itunes:duration>290</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>What Insurance Does a Texas Church Need?</title>
      <description><![CDATA[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
]]></description>
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      <pubDate>Mon, 30 Mar 2026 11:00:00 +0000</pubDate>
      <itunes:duration>367</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Is Abuse and Molestation Coverage Necessary for a Texas Church? </title>
      <description><![CDATA[Host Ron Wadley explains why Texas churches need specific sexual abuse and molestation coverage. General liability typically covers accidents like slip-and-falls and excludes intentional abuse without an endorsement or standalone policy. Using a story about children’s ministry director Penny, the episode highlights that sexual misconduct policies are often written on a claims-made basis, making the retroactive date critical. Wadley also stresses the high cost of defense, recommending policies with defense costs outside policy limits so legal fees don’t reduce settlement funds. Finally, he notes carriers increasingly require risk-management procedures as conditions of coverage: mandatory background checks, annual prevention training, and a written reporting process involving appropriate contacts and law enforcement.

Connect with our church insurance team at insurancefortexans.com

Get a free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Show Introduction
00:26 Why This Topic Matters
00:40 Penny’s Wake-Up Call
01:31 General Liability Myth
02:23 Occurrence vs Claims-Made
03:05 Retroactive Date Gaps
03:27 Defense Costs Explained
04:12 Risk Management Requirements
04:59 Next Steps and Resources
05:24 Final Stewardship Reminder
]]></description>
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      <pubDate>Fri, 27 Mar 2026 11:00:00 +0000</pubDate>
      <itunes:duration>350</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Can A Texas Church Buy Insurance for Their Roof?   </title>
      <description><![CDATA[Host Ron Wadley of Insurance For Texans explains how Texas church leaders can secure roof coverage and avoid common policy pitfalls. Through the story of Ted, the listener learns about the deductible trap, where roof deductibles are often a percentage of the building’s insured value instead of a flat amount. A potential solution is using a deductible buy-down policy to reduce risk while keeping premiums lower. Ron also highlights the depreciation surprise of actual cash value (ACV) coverage that can reduce claim payouts on older roofs. He discusses the option of standalone hail policies when replacement cost isn’t available. He warns about managed repair programs that limit contractor choice and a church’s control during repairs. 

Connect with our church insurance team at insurancefortexans.com

Get a free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Show Introduction
00:27 Roof Coverage Focus
00:34 Ted’s Hail Worry
01:28 The Deductible Trap
02:03 Deductible Buy Down
02:38 Depreciation Surprise
03:19 Standalone Hail Options
03:30 Managed Repair Warning
04:01 Wrap Up and Next Steps
04:56 Final Mission Reminder
]]></description>
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      <pubDate>Thu, 26 Mar 2026 10:59:59 +0000</pubDate>
      <itunes:duration>321</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Does Texas Require Churches to Carry Workers' Compensation Insurance?</title>
      <description><![CDATA[In this episode of Faith, Stewardship, & Insurance: Protecting Texas Churches, I delve into a critical yet often overlooked aspect of church insurance: workers' compensation. Join me as I recount a real incident involving a church janitor who faced a life-altering injury, exposing the risks that come with opting out of coverage. Texas laws allow churches to forgo workers' compensation, but this decision can lead to devastating financial repercussions. I’ll clarify the vital differences between general liability and workers' compensation insurance, emphasizing why proper classification of staff is essential for protection. Don't let your church become a liability magnet. Tune in to learn how to safeguard your ministry and ensure you’re not leaving your gates unlocked.]]></description>
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      <pubDate>Wed, 25 Mar 2026 11:00:00 +0000</pubDate>
      <itunes:duration>305</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Who Are the Good Church Insurance Companies?</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans addresses a finance committee’s concerns about unfamiliar insurance carriers, using Phil from an Austin church as an example. After a 2024 non-renewal forced a survival policy during a hard Texas market, Phil wants to take a new look at his church’s insurance. Now in 2026, as the market softens and capacity returns, Ron explains that strong options continue to be the quiet giants like Promont, USLI, and Philadelphia. They are A-rated, stable carriers that market less and work through independent agents. He cautions against unusually low quotes that may remove key protections such as ordinance or law coverage or add roof depreciation terms. Ron clarifies that A-rated surplus lines carriers like Lloyd’s of London or Scottsdale can be flexible for Texas weather risk. He also warns that member-owned programs may include managed repair clauses that restrict contractor choice.


Connect with our church insurance team at insurancefortexans.com

Get a free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Show Introduction
00:26 Phil’s Renewal Panic
01:11 2026 Market Shift
01:38 Quiet Giant Carriers
02:21 Beware Cheap Quotes
03:01 Surplus Lines Explained
03:37 Member Owned Program Traps
04:03 Get Expert Help
04:42 Final Takeaway
]]></description>
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      <pubDate>Tue, 24 Mar 2026 10:59:59 +0000</pubDate>
      <itunes:duration>310</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>How Should We Insure Our Church Owned Automobiles?</title>
      <description><![CDATA[In this episode of Faith, Stewardship, & Insurance: Protecting Texas Churches, I, Ron Wadley, guide church leaders through a critical decision that could impact their ministry's future. As we delve into the complexities of church auto insurance, I emphasize the importance of proper coverage for church-owned vehicles. Learn why simply adding a vehicle to a pastor's personal policy is a risky move and how a commercial auto policy provides essential protection. We'll also discuss the potential hazards of using fifteen-passenger vans and the need for adequate liability coverage. Join me as we explore how to safeguard your church's mission and assets against unforeseen challenges, ensuring your ministry continues to thrive. Tune in for expert insights and actionable advice tailored for Texas churches.]]></description>
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      <pubDate>Mon, 23 Mar 2026 10:59:59 +0000</pubDate>
      <itunes:duration>300</itunes:duration>
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      <title>Do Churches in Texas Have a Legal Obligation to Carry Liability Insurance?</title>
      <description><![CDATA[In this episode of Faith, Stewardship, & Insurance: Protecting Texas Churches, I delve into a pressing question for church leaders: What are the actual liability insurance requirements in Texas? Surprisingly, Texas law does not mandate liability insurance for churches, which can lead to misconceptions about the necessity of coverage. I explore the critical distinction between legal requirements and the financial implications of being uninsured. We also address common blind spots, such as the importance of sexual misconduct coverage, leadership protection, and counseling liability. By the end of this episode, you'll gain essential insights to safeguard your church's mission and ensure its financial stability in the face of potential risks. Join me as we navigate the complexities of church insurance, empowering you to make informed decisions for your congregation's protection.]]></description>
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      <pubDate>Fri, 20 Mar 2026 10:59:59 +0000</pubDate>
      <itunes:duration>356</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Has The Cost of Texas Church Insurance Improved in 2026?</title>
      <description><![CDATA[Host Ron Wadley of Insurance For Texans explains what Texas churches should expect for insurance costs in 2026. After several brutal renewal cycles, some price relief is emerging as new carriers return and competition increases. He cautions that the insurance floor has permanently risen due to higher construction costs and ongoing weather losses. Unusually cheap quotes often reflect trade-offs such as managed repair programs, reduced liability limits,, capped or removed retroactive dates, and property shifts from replacement cost to actual cash value. He highlights roof sublimits and higher wind/hail deductibles, emphasizing geographic differences across Texas. The key takeaway is that lower premiums only matter if coverage still works.

Connect with our church insurance team at insurancefortexans.com

Get a free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Show Introduction
00:26 2026 Costs Reset
00:41 Why Prices Rose
01:17 Relief With Tradeoffs
01:55 Managed Repair Control
02:22 Coverage Hollowing Out
02:47 Roof Sublimits Warning
03:27 Texas Geography Impacts
04:08 Customize Not Commoditize
04:21 Total Cost Of Risk
05:06 Solid Coverage Checklist
05:22 Renewal Help And Resources
05:45 Final Stewardship Sendoff
]]></description>
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      <pubDate>Thu, 19 Mar 2026 11:00:00 +0000</pubDate>
      <itunes:duration>371</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>Is There Any Bad News About Texas Church Insurance for 2026?</title>
      <description><![CDATA[In this episode of Faith, Stewardship, & Insurance: Protecting Texas Churches, I delve into the concerning realities of Texas church insurance as we approach 2026. While the market may appear to offer lower premiums, I caution you to tread carefully. We'll explore the hidden pitfalls of seemingly great deals, such as capped roof coverage and depreciated claims for older roofs. Discover how these traps can leave your church vulnerable, especially when it comes to storm damage. I'll share insights on why sustainable protection is crucial and how to avoid policies that compromise your church’s mission. Join me as we navigate the complexities of church insurance, ensuring that your congregation remains safeguarded against risks. Tune in for vital information that could protect your church's future.]]></description>
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      <pubDate>Wed, 18 Mar 2026 11:00:00 +0000</pubDate>
      <itunes:duration>369</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>What Makes Cheap Texas Church Insurance Not So Cheap?</title>
      <description><![CDATA[In this episode of Faith, Stewardship, & Insurance: Protecting Texas Churches, host Ron Wadley delves into the critical topic of why cheap church insurance can end up being a costly mistake. Through a compelling examination of a recent winter storm that devastated Kingdom Culture Worship Center in Cedar Hill, Ron highlights the perils of opting for basic or named peril policies that may seem economical but often leave churches vulnerable to significant losses. Listeners will learn about the importance of understanding the specific terms of their insurance policies, including the nuances of coverage versus exclusions, especially regarding roof collapse and wear and tear. This episode empowers church leaders with the knowledge they need to safeguard their ministries against unforeseen disasters and ensure their insurance truly protects their mission. Tune in for valuable insights and expert guidance tailored for Texas churches.]]></description>
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      <pubDate>Tue, 17 Mar 2026 11:00:01 +0000</pubDate>
      <itunes:duration>335</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>Is A General Liability Policy Enough Coverage for a Texas Church?</title>
      <description><![CDATA[Host Ron Wadley of Insurance For Texans explains general liability insurance as the foundational liability coverage for Texas churches. Using the story of Paul, a Waco church elder, Ron discusses what general liability insurance covers and what it doesn’t cover.  Paul learns general liability covers the church’s liability for bodily injury and damage to others’ property, such as a visitor falling on an uneven sidewalk. It also helps manage legal defense costs even for frivolous claims. The episode clarifies that general liability does not cover volunteers or staff and excludes many common church exposures. Other liabilities  may require professional liability, workers’ compensation, sexual misconduct and molestation coverage, business auto, cyber liability, and directors and officers liability. 

Connect with our church insurance team at insurancefortexans.com

Get a free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Introduction
00:31 Meet Paul in Waco
01:46 Why General Liability Matters
02:50 Legal Defense Protection
03:27 What General Liability Excludes
03:52 Specialized Coverage Options
04:33 Paul Gets Clarity
04:56 How to Get Help
05:11 Final Reminder and Outro
]]></description>
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      <pubDate>Mon, 16 Mar 2026 11:00:00 +0000</pubDate>
      <itunes:duration>343</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>How Do Churches Prevent Long Term Damage from Abuse Allegations?</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans discusses how June 2024 abuse allegations involving the head pastor at Gateway Church in Southlake highlight the need for Texas churches to have the right insurance coverage. He explains that legal defense costs can begin before facts are established and outlines three essential liability coverages for a well-constructed church insurance package. These include sexual abuse and molestation liability, directors and officers liability and professional (errors and omissions) coverage.  He urges church leaders to confirm what their policies cover and how the cost of legal defense is structured in the policy.

Contact our church insurance team at insurancefortexans.com

Get a copy of our book at thepromiseofcertainty.com


00:00 Show Introduction
00:27 Gateway Case Context
01:33 Why Insurance Matters
02:09 Abuse Coverage Basics
02:26 Directors Officers Coverage
02:53 Professional Liability Coverage
03:39 Key Takeaways
04:18 Review Your Policy
04:29 Contact and Resources
04:50 Closing Encouragement
]]></description>
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      <pubDate>Fri, 13 Mar 2026 10:59:59 +0000</pubDate>
      <itunes:duration>314</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>Does A Texas Church Need Special Insurance to Defend Abuse Allegations?</title>
      <description><![CDATA[Host Ron Wadley of Insurance For Texans explains how church insurance responds to abuse allegations. He emphasizes that even false claims can trigger costly investigations and legal defense costs that may exceed $50,000. He warns that many Texas churches mistakenly expect general liability to cover these situations, but such policies often exclude or severely limit sexual abuse and molestation claims. With stricter Texas mandatory reporting expectations and increased scrutiny of documentation for background checks, training, and response procedures, churches may face negligence allegations based on what they can prove they did to prevent misconduct. Wadley recommends obtaining specialized sexual abuse and molestation liability coverage. He also recommends working with a church insurance specialist to review policies, understand legal-fee coverage, and close gaps before a claim occurs.

Contact our church insurance team at insurancefortexans.com

Get a copy of our book at thepromiseofcertainty.com

00:00 Show Introduction
00:31 Abuse Allegation Scenario
01:09 Hidden Costs of Claims
01:51 General Liability Gaps
02:19 Texas Legal Pressure
03:06 Specialized Abuse Coverage
03:39 Why Specialists Matter
04:24 Review Your Policy
05:05 Closing Thoughts
]]></description>
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      <pubDate>Thu, 12 Mar 2026 11:00:00 +0000</pubDate>
      <itunes:duration>333</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>What Are the Risks and Benefits of a Roof Sublimit for Texas Churches?</title>
      <description><![CDATA[Host Ron Wadley of Insurance For Texans explains the pros and cons of roof sub-limits for wind and hail damage in church property insurance. He recounts a San Antonio church that renewed their insurance. Their new policy had a lower premium. Then, they suffered damage to their church’s roof only to discover a $50,000 roof sub-limit that overrode their larger building coverage. Wadley notes insurers use sub-limits to cap exposure and lower premiums. They can be beneficial by reducing costs, a way to insure older roofs, or for churches choosing to self-insure with strong reserves. They also have downsides. Sublimits leave large out-of-pocket exposure, potential lender conflicts on mortgaged properties, and complications even in total-loss rebuilding. Many churches don’t realize their church insurance policy has sublimits. That is why working with a church insurance specialist is so important. 

Contact our church insurance team at insurancefortexans.com

Get a copy of our book at thepromiseofcertainty.com


00:00 Show Introduction
00:26 Roof Sub Limit Story
00:51 Hail Claim Surprise
01:57 What Sub Limits Mean
02:17 Why Insurers Use Them
02:38 When It Can Make Sense
03:22 Major Downsides
04:13 Why Churches Miss It
04:37 Specialist vs General Agent
04:59 Certainty and Next Steps
05:28 Closing Thoughts
]]></description>
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      <pubDate>Wed, 11 Mar 2026 10:59:59 +0000</pubDate>
      <itunes:duration>353</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>Can My Church Insurance Tell Me Who Makes Repairs After a Claim?</title>
      <description><![CDATA[Ron Wadley of Insurance for Texans explains how some church insurance policies settle claims through managed repair programs. These programs require using the carrier’s contractor, shifting control away from the church. He illustrates this with Steve, a deacon in Amarillo whose church roof was damaged by hail. After filing a claim, Steve learned he could not use a trusted local church member’s construction company because the insurer’s contractor would control the scope and repair process. Wadley warns that under these programs contractors work for the insurer, limiting the church’s ability to address delays, material mismatches, or workmanship, and raising security concerns when crews access campuses with children and volunteers. He urges leaders to seek certainty by knowing claim handling terms before signing, and to work with a church insurance specialist to avoid hidden clauses.

Contact our church insurance team at insurancefortexans.com

Get a copy of our book at thepromiseofcertainty.com

00:00 Show Introduction
00:27 Today’s Key Question
00:40 Steve’s Storm Story
01:21 Surprise Policy Clause
02:10 Why Control Disappears
02:44 Contractor Works for Carrier
03:24 Security and Access Risks
04:07 Premium Discount Strings
04:18 Promise of Certainty
04:44 How to Avoid the Trap
05:05 Connect and Closing
]]></description>
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      <pubDate>Tue, 10 Mar 2026 10:59:59 +0000</pubDate>
      <itunes:duration>347</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>Does Affordable Insurance Exist for Small Texas Churches?</title>
      <description><![CDATA[In this episode, host Ron Wadley of Insurance for Texans discusses how small Texas churches can find affordable insurance without sacrificing protection. Using the story of Pastor David in Lubbock, he shows how a much cheaper quote hid a $100,000 roof coverage cap that left the church with a six-figure bill after hail damage. Wadley explains that as the 2026 church insurance market softens, some carriers lower premiums by cutting coverage through roof sublimits, exclusions, managed repair programs, and reduced payouts. He argues affordability means sustainability. There are ways that a church insurance agent can help to make your policy more affordable. We can market the church properly to underwriters, use financial engineering like strategic deductible adjustments and remove unused coverages instead of cutting key limits. We also prioritize stable carriers over teaser rates that spike at renewal. 


Contact our church insurance team at insurancefortexans.com

Get a copy of our book at thepromiseofcertainty.com

00:00 Show Introduction
00:26 Budget Pressure Story
01:26 The Cheap Quote Trap
01:52 Hidden Roof Sublimit
02:56 2026 Market Warning
03:32 Affordability Means Sustainability
03:48 Market Your Church
04:24 Financial Engineering
05:03 Avoid Teaser Rates
05:32 Wrap Up and Next Steps
]]></description>
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      <pubDate>Mon, 09 Mar 2026 11:00:00 +0000</pubDate>
      <itunes:duration>389</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>What Should My Texas Church Know About a Managed Repair Program?</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans explains what managed repair programs mean for Texas churches. Using Teddy, a Waco finance committee member, who discovers “managed repair program” language in a low-premium property proposal as an example. Wadley says these programs, driven by rising Texas weather losses, can reduce premiums but shift control and risk to the church during claims. Unlike standard replacement cost policies where churches choose contractors and approve full restoration with similar kind and quality materials, managed repair programs require using the insurer’s contractor and scope, and prioritize acceptable repairs. These programs let the carrier define replacement costs, potentially causing mismatched materials and funding gaps. He warns savings can become large unrecoverable costs after storms and urges churches to ask hard questions.

Connect with our church insurance team at insurancefortexans.com

Get a FREE copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Show Introduction
00:27 Teddy Finds a Catch
01:41 What Managed Repair Means
02:33 How Control Disappears
04:10 The Real Cost of Savings
04:44 How to Protect Your Church
05:32 Resources and Closing
]]></description>
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      <pubDate>Fri, 06 Mar 2026 11:59:59 +0000</pubDate>
      <itunes:duration>363</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>Should my Texas Church participate in a Texas Based Risk Pool?</title>
      <description><![CDATA[Host Ron Wadley explains how Texas churches facing sudden premium spikes can evaluate risk purchasing groups. He uses a large Amarillo church’s renewal shock as an example. He describes Texas’s “concentration problem,” where hail, tornadoes, hurricanes, and other storms create clustered losses that drive unpredictable rate increases. Texas-only risk pools that keep all exposure in-state can be more expensive. Wadley contrasts this with national risk pools, which spread catastrophic risk across multiple regions so losses in Texas are balanced by calmer areas, producing more stable pricing and budgeting predictability. He also notes national pools tend to attract stronger carriers because risk is diversified and capped.

Connect with our church insurance team at insurancefortexans.com

Get a FREE copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Show Introduction
00:27 Amarillo Church Shock Renewal
02:11 Texas Risk Concentration
03:00 Texas Only Pool Limits
03:19 Why National Pools Win
04:09 Carrier Strength Matters
04:52 Compare Options With Expert
05:11 Next Steps And Closing
]]></description>
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      <pubDate>Thu, 05 Mar 2026 12:00:00 +0000</pubDate>
      <itunes:duration>365</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>How Can Small Churches Manage Insurance Costs Effectively? </title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans explains how small Texas churches are being hit hard by insurance market shifts. He uses the story of Nelda, an Austin church secretary to show how small churches are facing steep premium increases and reduced coverage. He notes insurers often define “small” by building size (often under about 15,000 square feet), which affects pricing and available coverage. Wadley outlines essential coverages for small churches: replacement-cost property coverage for buildings and contents, general liability for on-site accidents, directors and officers coverage for volunteer leadership decisions, pastoral liability for counseling-related exposures, and proper commercial auto coverage for church-owned vehicles. He emphasizes avoiding both underinsuring and buying ill-fitting packages by working with a church insurance specialist.


Connect with our church insurance team at insurancefortexans.com

Get a FREE copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Show Introduction
00:35 Nelda’s Renewal Shock
01:45 Why Small Churches Hurt
02:02 What Counts as Small
02:54 Core Coverage Essentials
04:10 Auto and Common Mistakes
04:34 Specialist Help and Fit
05:22 Next Steps and Resources
05:54 Closing Mission Reminder
]]></description>
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      <pubDate>Wed, 04 Mar 2026 12:00:00 +0000</pubDate>
      <itunes:duration>368</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>Does my Texas Church Insurance Policy Have a Minimum Deductible?</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans explains how Texas churches are facing not only rising property insurance premiums but also higher, often non-negotiable wind and hail deductibles. He uses the story of a Fort Worth church that discovered a 5% deductible on their church’s roof. He notes insurers use higher deductibles to manage frequent storm losses. Risk purchasing groups typically trade lower premiums for greater deductible exposure because they are built for catastrophic claims instead of small claims. Wadley describes deductible buydown policies as a separate coverage that can reduce practical out-of-pocket costs while keeping the main policy’s lower premium. He also emphasizes stewardship through handling minor repairs internally, limiting claim frequency, and working with a church insurance specialist to understand policy consequences.

Connect with our church insurance team at insurancefortexans.com

Get a FREE copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Show Introduction
00:28 Deductibles Rising
00:33 Fort Worth Case Study
01:06 The 5 Percent Shock
01:44 Why Deductibles Climb
02:24 Risk Groups Tradeoffs
02:54 Minimum Deductibles
03:12 Deductible Buydown
04:04 Claims Stewardship Plan
04:43 Get Expert Help
05:20 Next Steps and Closing
]]></description>
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      <pubDate>Tue, 03 Mar 2026 11:59:59 +0000</pubDate>
      <itunes:duration>368</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>What Church Insurance Exclusions leave Texas Churches Exposed?</title>
      <description><![CDATA[Host Ron Wadley explains how insurance exclusions can leave Texas churches unexpectedly exposed. He uses a story about Pastor Steve in Midland who is sued after providing pastoral counseling. Steve learns the church’s general liability policy excludes counseling and the church is not covered for this claim because it lacks professional liability coverage. Wadley notes many exclusions aren’t obvious on the declarations page and may not be discussed at renewal. Common gaps in church insurance coverage include claims alleging emotional harm, sexual abuse and molestation, and reduced hail coverage with higher deductibles and roof restrictions. He emphasizes that these gaps are often due to policy design and misunderstanding of church operations. That is why working with a church insurance specialist can align coverage with real ministry risks. 

Connect with our church insurance team at insurancefortexans.com

Get a FREE copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Show Introduction
00:25 Pastor Steve Lawsuit Shock
02:05 Counseling Exclusion Explained
02:56 Abuse Coverage Gap
03:39 Hail Limits and Deductibles
04:30 Fixing Gaps With Specialists
05:08 Next Steps and Resources
05:28 Closing Mission Reminder
]]></description>
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      <pubDate>Mon, 02 Mar 2026 12:00:00 +0000</pubDate>
      <itunes:duration>352</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>Why Is Cyber Liability Becoming Essential Coverage for Texas Churches? </title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans explains why cyber liability insurance is important for Texas churches. He uses the story of Landry, a Fort Worth pastor whose church website is taken hostage by ransomware, to show how cyber threats affect real churches. The episode outlines why churches are targeted and describes what cyber liability coverage can provide, including system restoration, forensic investigation, member notification, legal support, and reputational management. Wadley emphasizes that cyber incidents damage trust as well as operations. The common entry points include phishing and malicious links. Cyber insurance brings expert guidance so pastors can focus on shepherding while professionals handle containment, recovery, and communication. 

Review your church’s insurance policy by connecting with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Welcome to Faith Stewardship & Insurance (Protecting Texas Churches)
00:35 A Fort Worth Church Held Hostage: The Ransomware Wake‑Up Call
01:26 Why Churches Are Now Prime Targets for Cybercriminals
01:54 What Cyber Liability Insurance Covers (and Why It Matters)
02:28 The Real Fallout: Trust, Donors, and Member Relationships
02:48 Common Entry Points: Phishing, Volunteers, and One Wrong Click
03:05 Beyond Paying Bills: Incident Response Experts & Pastoral Focus
03:30 A Better Approach to Cyber Coverage: Ask the Right Questions
03:49 Digital Stewardship: Treat Online Risk Like Physical Risk
04:19 Next Steps: Get Clarity, Contact the Team, and Final Encouragement
]]></description>
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      <pubDate>Fri, 27 Feb 2026 12:00:00 +0000</pubDate>
      <itunes:duration>313</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>What Do Texas Church Leaders Need to Know About Worker's Compensation?</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans explains how workers’ compensation fits into a Texas church insurance plan through the story of Fred, an elder in Amarillo. Although Texas law allows churches to go without it, the episode emphasizes that the risk remains and responsibility shifts to the church for medical bills, lost wages, and potentially legal costs if an employee is injured on the job. Without the built-in lawsuit protections workers’ comp provides, churches could face large bills or lawsuits from injured employees. Workers’ compensation differs from health insurance and fills gaps when injuries occur while working.

Review your church’s insurance policy by connecting with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Welcome to Faith Stewardship & Insurance (Protecting Texas Churches)
00:26 Why This Matters: Fred Reviews the Church’s Coverage
01:10 Texas Law vs. Real Risk: What Happens Without Workers’ Comp
01:57 What Workers’ Compensation Actually Covers (Common Church Scenarios)
02:33 Protecting Staff and the Ministry Budget from a Single Injury
02:58 Workers’ Comp vs. Health Insurance: The Coverage Gap
03:21 Important Caveat: Volunteers Usually Aren’t Covered
04:03 Next Steps: Get Clarity + Resources, Final Encouragement
]]></description>
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      <pubDate>Thu, 26 Feb 2026 12:00:00 +0000</pubDate>
      <itunes:duration>312</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>Why Weren't Our Stained Glass Windows Fully Replaced by Our Church Insurance?</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans explains how stained glass windows in Texas churches can be underinsured due to policy sublimits. He shares a Tyler church’s experience after a spring hailstorm damaged the roof and shattered multiple stained glass windows. The insurer offered only a small payout because the policy capped stained glass coverage at a low amount. The episode outlines how stained glass may require a specific endorsement, often supported by documentation or appraisal, to insure windows at real value. Wadley emphasizes working with church insurance specialists.

Review your church’s insurance policy by connecting with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Welcome to Faith Stewardship & Insurance (Protecting Texas Churches)
00:25 A Texas Church’s Stained Glass Story—and the Hailstorm That Changed Everything
01:35 The Claim Shock: Why Stained Glass Is Treated Differently
02:33 Hidden Sub-Limits Explained: When $1M Coverage Still Won’t Fix a Window
03:11 Fixing the Gap: Endorsements, Appraisals, and Proper Coverage Design
03:44 Why a Church Insurance Specialist Matters (and What They Ask)
04:09 After the Loss: Rebuilding Coverage the Right Way + Next Steps
04:59 Final Takeaway: Protect the Mission, Not Just the Building
]]></description>
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      <pubDate>Wed, 25 Feb 2026 11:59:59 +0000</pubDate>
      <itunes:duration>327</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>Will Our Texas Church Insurance Policy Automatically Include the Parsonage?</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans explains how Texas churches can confirm proper insurance coverage for a church-owned parsonage. Using a small Abilene church that discovered the pastor’s brick house across the street wasn’t listed on their policy as an example, Ron discusses how to properly insure a parsonage. The episode outlines common parsonage coverage gaps: confirming church ownership and making the church the named insured, avoiding standard homeowner’s policies for church-owned residences, ensuring liability coverage is properly extended through listing or endorsement, clarifying what is covered inside the home.

Review your church’s insurance policy by connecting with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Show Intro 
00:34 The Abilene Wake‑Up Call: The Parsonage Isn’t on the Policy
01:33 Ownership & Named Insured: Who Actually Owns the Home?
02:10 Avoid the Homeowner’s Policy Trap: Why It Can Unravel in a Claim
02:50 Liability Blind Spots: Injuries, Contractors, Storm Damage at the Parsonage
03:30 What’s Inside the House: Personal Property, Renters Coverage & Church Furnishings
04:07 Maintenance & Inspections: Roofs, Wiring, and Deferred Repairs Affect Coverage
04:31 Why a Church Insurance Specialist Changes Everything
05:06 Wrap‑Up + Next Steps: Review Your Parsonage, Contact Info, and Final Encouragement
]]></description>
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      <pubDate>Tue, 24 Feb 2026 12:00:00 +0000</pubDate>
      <itunes:duration>353</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Is Your Church's Audio Equipment Really Covered By Your Insurance Policy?</title>
      <description><![CDATA[Host Ron Wadley of Insurance for Texans discusses how Texas hailstorms can lead to roof damage and water intrusion that destroys a church’s sound system. He explains that church property insurance separates building coverage from business personal property (sound systems, lighting, projectors, instruments, and technical equipment) and that these contents often have limits. Limits such as electronic equipment sublimits, or actual cash value settlement that reduces payouts through depreciation. The episode highlights the importance of inventory, valuation, and considering Inland Marine coverage to better protect high-value audio equipment from restrictive sublimits and exclusions. 

Review your church’s insurance policy by connecting with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Welcome to Faith Stewardship & Insurance (Protecting Texas Churches)
00:25 A West Texas Hailstorm Hits: JT’s Church Damage Story
01:29 Why Sound & Tech Gear Is Mission-Critical (Not a Luxury)
01:50 What Property Insurance Really Covers: Building vs. Contents
02:26 Hidden Limits & Depreciation: The Claim Surprises Churches
03:22 Better Protection for High-Value Gear: Inland Marine Coverage
04:16 Work With a Church Insurance Specialist: How We Review Your Policy
04:40 Next Steps, Resources, and Final Encouragement
]]></description>
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      <pubDate>Mon, 23 Feb 2026 12:00:00 +0000</pubDate>
      <itunes:duration>335</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>Who Wants to Hear Some Good News About Church Insurance in 2026?</title>
      <description><![CDATA[In the milestone 100th episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley reveals hopeful news for church leaders regarding the Texas church insurance market. For the first time in years, insurance companies are competing again, leading to better pricing and coverage options for churches. The episode narrates Phil's experience when he finds out that new opportunities are on the horizon. Ron explains how the market shift can benefit churches, the importance of presenting a clean risk profile, and offers services to help churches navigate this new landscape effectively. Listeners are encouraged to reassess their insurance policies to take advantage of the changing market dynamics.

Contact our church insurance team at insurancefortexans.com

Get a copy of our book at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:24 A Milestone Episode: Episode 100
00:37 Phil's Story: The Struggles of Church Insurance
01:59 The Changing Landscape of Texas Church Insurance
02:35 Opportunities in the New Insurance Market
04:25 The Importance of Proper Positioning
04:44 How Insurance for Texans Can Help
05:22 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Fri, 20 Feb 2026 11:59:59 +0000</pubDate>
      <itunes:duration>346</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>How Do Pastors Find and Understand True Texas Church Insurance Coverage?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley shares insights on understanding church insurance policies. Ron narrates the story of Paul, a diligent church leader from Austin, who struggled to decipher the complex language in his church's insurance renewal. The episode underscores the importance of clear communication between insurance providers and church leaders, emphasizing tailored insurance solutions to meet unique ministry needs. Ron encourages church leaders to seek expert guidance to ensure their churches are adequately protected and highlights the services offered by Insurance for Texans.

Contact our church insurance agents at insurancefortexans.com

Get a copy of our book at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:26 Understanding the Complexity of Insurance Renewals
01:28 The Importance of Church Property Insurance
02:46 Navigating Insurance Jargon with Expert Help
03:38 Conclusion and Resources for Church Leaders
]]></description>
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      <pubDate>Thu, 19 Feb 2026 12:00:00 +0000</pubDate>
      <itunes:duration>276</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>How Can Church Leaders in Texas Balance Finances with Insurance Costs?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the evolving landscape of church insurance in Texas. He shares the story of Robert, a finance committee member from Fort Worth, who faced the unexpected challenge of securing new coverage after their long-time carrier left the market. The episode highlights the importance of understanding insurance coverages, evaluating real risks, and forming partnerships with specialists. Ron emphasizes that safeguarding a church's mission goes beyond having an insurance policy. It requires the right insurance tailored to the church's unique operations and needs.

Contact our church insurance team at insurancefortexans.com

Get a copy of our book at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:27 The Changing Landscape of Church Insurance in Texas
00:47 Robert's Story: Navigating Insurance Challenges
01:32 Understanding Church Insurance Needs
02:04 Tailoring Insurance to Your Church's Unique Risks
03:06 The Importance of Partnership in Insurance
03:42 How to Get Expert Church Insurance Advice
03:56 Conclusion: Safeguarding Your Church's Mission
]]></description>
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      <pubDate>Wed, 18 Feb 2026 12:00:00 +0000</pubDate>
      <itunes:duration>269</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>What Should Leaders Know About Texas Church Insurance?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley, from Insurance for Texans, addresses the complexities church leaders face when selecting insurance. Through the story of Elizabeth from Fort Worth, Ron explains the importance of various insurance coverages.  They include property, general liability, professional liability, directors and officers, workers compensation, and abuse-related claims. He emphasizes the necessity of tailoring insurance to fit the specific needs and mission of each church.

Contact our church insurance team at insurancefortexans.com

Get a copy of our book at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:26 Elizabeth's Story: The Weight of Responsibility
01:12 Understanding Property Coverage
01:46 The Importance of General Liability Coverage
02:14 Professional Liability: Protecting Ministry Leaders
02:37 Directors and Officers Coverage
03:07 Workers Compensation and Abuse Protection
03:47 Additional Coverages: Events and Transportation
04:11 Conclusion: Building Comprehensive Protection
04:27 Final Thoughts and Resources
]]></description>
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      <pubDate>Tue, 17 Feb 2026 11:59:59 +0000</pubDate>
      <itunes:duration>309</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>What Do All These Fees Mean on My Church Insurance Policy?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the common misconceptions surrounding church insurance costs and the importance of understanding the details. He shares a case study from a church in Lubbock that faced rising premiums and initially believed a new proposal might solve their issues. Upon closer inspection, they discovered various additional charges and fees. Ron explains these fees, including policy, stamping, contribution, inspection, and installment fees, and emphasizes the necessity of comprehending these costs. Insurance for Texans aims to provide clarity, customization, and suitable coverage for churches. 

Contact our church insurance agents at insurancefortexans.com

Get a copy of our book at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:24 A Case Study: Lubbock Church's Insurance Dilemma
01:36 Understanding the True Cost of Church Insurance
03:31 The Role of a Church Insurance Specialist
04:01 How to Get Clarity on Your Church Insurance
04:25 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Mon, 16 Feb 2026 11:59:59 +0000</pubDate>
      <itunes:duration>291</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>How Do Coinsurance Penalties Affect My Texas Church Insurance?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans delves into the often misunderstood concept of co-insurance and how it affects church insurance policies in Texas. Using the example of Steve, a church leader in San Antonio, Ron explains the potential financial risks of under-insuring a church property. He discusses how rising construction costs and inadequate coverage can lead to significant financial gaps during a loss. Ron emphasizes the need for church leaders to understand co-insurance, review policies regularly, and work with experienced church insurance specialists to ensure proper coverage. 

Work with our church insurance agents by going to insurancefortexans.com

Get a copy of our book, The Promise of Certainty at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:28 Understanding Co-Insurance: Steve's Story
01:22 The Importance of Proper Coverage
02:54 Realizing the Risks of Underinsurance
04:09 Planning Ahead with Co-Insurance
04:23 How Insurance for Texans Can Help
04:50 Final Thoughts and Resources
]]></description>
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      <pubDate>Fri, 13 Feb 2026 13:00:00 +0000</pubDate>
      <itunes:duration>333</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>Is There a Texas Law that Says My Church Needs Insurance?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance For Texans introduces a new series. This week he is answering the questions that churches may be too afraid to ask about their insurance. In this episode, Ron discusses whether Texas churches are legally required to have insurance. He highlights the real-life consequences a small church outside Waco faced when they opted out of insurance. 

Visit insurancefortexans.com to connect with our church insurance team.

For more in depth information about church insurance, get a copy of our book The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:41 Does Texas Require Church Insurance?
00:48 Real-Life Example: The Waco Church
01:22 The Risks of Not Having Insurance
02:00 Weather and Everyday Risks
02:42 The Cost of Going Without Insurance
02:59 The Importance of Stewardship and Protection
03:08 Custom Insurance Solutions for Texas Churches
04:22 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Thu, 12 Feb 2026 20:23:24 +0000</pubDate>
      <itunes:duration>288</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>How Can a Deductible Buy Down Help My Church Insurance Costs?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses how churches can manage rising insurance deductibles through deductible buy downs. The episode features the story of Charles, a finance leader who learned the hard way about the high costs of property insurance deductibles after a hailstorm damaged his church's roof. Wadley explains how deductible buydowns can reduce out-of-pocket expenses.

Discuss your church’s deductible with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:34 Charles' Insurance Deductible Dilemma
01:53 Understanding Deductible Buydowns
02:32 The Practicality of Buydowns for Texas Churches
03:22 Implementing Buydowns Effectively
04:03 Insurance for Texans: Our Approach
04:52 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Thu, 12 Feb 2026 13:00:00 +0000</pubDate>
      <itunes:duration>316</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>How Can  I Understand My Texas Church Insurance Deductible?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans addresses a confusing aspect of church insurance which is the deductible. The discussion centers around a real-life scenario involving Benjamin, a finance committee member from a church in McKinney. He discovered their wind and hail deductible was 5% of the building value which would pose a significant financial challenge in the event of a claim. Ron explains how deductible buydown coverage can help mitigate such risks, offering a strategy that balances premium costs and financial exposure. 

Start a conversation with our church insurance agents at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:26 The Challenge of High Deductibles
02:36 Understanding Deductible Buydown Coverage
04:19 Strategic Church Insurance Planning
05:06 Conclusion and Next Steps
]]></description>
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      <pubDate>Wed, 11 Feb 2026 12:59:59 +0000</pubDate>
      <itunes:duration>362</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>What Makes Church Association Insurance Different Than Church Insurance in Texas? </title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses the often-overlooked insurance needs of church associations. He shares insights from a local Baptist association's experience, highlighting the importance of having separate commercial property and liability coverage for association-owned properties like offices and campgrounds. The episode also covers the necessity of directors and officers coverage, the importance of proper naming in policies, and the risks associated with shared use of association properties. 

Connect with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:25 The Overlooked Group: Church Associations
00:59 Insurance Challenges for Church Associations
02:02 Understanding Liability and Coverage Needs
03:45 The Importance of Proper Naming and Ownership
04:07 Tailored Insurance Solutions for Church Associations
05:03 Final Thoughts and Resources
]]></description>
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      <pubDate>Tue, 10 Feb 2026 13:00:00 +0000</pubDate>
      <itunes:duration>359</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Why Are Surety Bonds a Good Idea for Church Treasurers in Texas?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the significance of bonding church treasurers to safeguard church finances. Through a conversation between two pastors about rising church costs, the topic of surety bonds is discussed. These bonds protect churches from financial mismanagement or theft, reinforcing trust and transparency in church financial operations. The episode highlights the affordable nature of surety bonds and the necessity for churches to review their insurance policies to cover potential gaps. 

Contact one of our church insurance agents at insurancefortexans.com

Get a copy of our book, The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:25 A Conversation Between Pastors
01:28 Understanding Surety Bonds
02:08 The Importance of Financial Integrity
02:49 Cost and Implementation of Surety Bonds
03:17 Reviewing Church Policies
03:54 Comprehensive Church Insurance Strategy
04:23 Conclusion and Next Steps
]]></description>
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      <pubDate>Mon, 09 Feb 2026 13:00:00 +0000</pubDate>
      <itunes:duration>307</itunes:duration>
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    <item>
      <title>Why is My Texas Church Insurance Renewal So Expensive? </title>
      <description><![CDATA[This episode of Faith Stewardship and Insurance: Protecting Texas Churches hosted by Ron Wadley explores the rising costs of church insurance in Texas. Highlighted by the story of Leslie, a CPA and finance committee leader, it details the multiple factors causing premium increases, such as higher rebuilding costs, hail damage, and increased liability risks. Ron emphasizes the importance of tailored insurance coverage that aligns with the specific operations of each church.

Connect with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:44 Leslie and Tyler's Sticker Shock
01:45 Understanding the Rising Costs
02:42 Impact of Hail and Replacement Costs
03:36 Liability and Legal Risks
04:13 Finding the Right Coverage
05:09 Conclusion and Next Steps
]]></description>
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      <pubDate>Fri, 06 Feb 2026 13:00:00 +0000</pubDate>
      <itunes:duration>359</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>What is Causing a Surge in Texas Church Insurance Rates?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance For Texans discusses the rising insurance premiums for churches due to increasing weather-related claims and escalating liability costs. Through the story of William, a senior administrator at a church near San Antonio, the episode highlights the complexities and financial challenges churches face in securing adequate insurance coverage. The episode emphasizes the importance of understanding insurance dynamics, selecting specialized coverage, and making informed decisions to ensure proper protection for church properties and congregations. 

Connect with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:26 The Shocking Reality of Church Insurance Premiums
01:40 Understanding the Insurance Market Reset
02:31 The Rising Costs of Liability and Responsibility
04:03 Navigating the New Insurance Landscape
04:24 Specialized Solutions for Texas Churches
05:10 Conclusion and Next Steps
]]></description>
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      <pubDate>Thu, 05 Feb 2026 13:00:00 +0000</pubDate>
      <itunes:duration>360</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>What Happens When My Church Uses Two Different Companies for Property and Liability Insurance?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans addresses a common query from church leaders. Can you use two insurance companies, one for property and one for liability? Focusing on a specific case from a church in Abilene, Wadley explains how splitting coverage between two carriers allowed the church to secure robust liability protection and affordable property insurance simultaneously. He emphasizes the importance of coordination between policies to avoid gaps in coverage and explains how working with experienced church insurance specialists can ensure comprehensive protection. 

Reach out to our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:25 The Dilemma: Can Churches Use Two Insurance Companies?
00:43 Challenges Faced by the Abilene Church
01:56 The Solution: Splitting Coverage
02:45 Implementing the Strategy
03:10 Coordination and Expertise
04:00 Conclusion and Contact Information
]]></description>
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      <pubDate>Wed, 04 Feb 2026 13:00:00 +0000</pubDate>
      <itunes:duration>282</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Who is Helping Texas Churches with Insurance?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the recent difficulties Texas churches face in securing insurance. Due to an increase in hailstorms and underpriced risk, many churches have received non-renewal notices and faced rising premiums. Wadley explains the importance of not just securing insurance for lending purposes but ensuring comprehensive protection against property and liability risks. By using independent agents, churches can access more flexible and tailored insurance options. 

Connect with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:26 The Current Insurance Landscape for Texas Churches
00:59 Challenges Faced by Church Leaders
01:33 Understanding the Importance of Insurance
01:49 Property vs. Liability Coverage
02:47 Finding the Right Insurance Solutions
03:39 The Role of Independent Agents
04:17 Introducing the True Texas Church Insurance Program
04:44 Conclusion and Resources
]]></description>
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      <pubDate>Tue, 03 Feb 2026 13:00:00 +0000</pubDate>
      <itunes:duration>328</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Why is My Church Struggling to Find Church Insurance in Texas?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the difficulties many Texas churches face in obtaining proper insurance coverage. Using the case of a small church in East Texas, he highlights the perils of working with agents who don't specialize in church insurance and the errors that can arise from misunderstandings and misrepresentations. Ron emphasizes the importance of specialized expertise in church insurance and introduces the True Texas Church Insurance Program, designed to help churches navigate the volatile insurance landscape. 

Reach out to our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:33 A Church's Struggle with Insurance
02:10 The Importance of Specialized Church Insurance
02:57 Common Mistakes in Church Insurance
03:58 Our Solution: True Texas Church Insurance Program
04:42 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Mon, 02 Feb 2026 12:59:59 +0000</pubDate>
      <itunes:duration>310</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Why Do Details Matter When it Comes to Texas Church Insurance?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley of Insurance for Texans explains the complexities and evolving landscape of church insurance in Texas. He shares Lucy's experience from a church in Tyler, highlighting the request for detailed information is due to changing market conditions. Ron elaborates on the importance of providing comprehensive details to secure proper coverage and avoid exclusions. He introduces the True Texas Church insurance program which is designed to ensure churches are well-protected by asking the right questions upfront. 

Contact our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:31 Lucy's Insurance Dilemma
01:33 The Changing Landscape of Church Insurance
02:05 The Role of a Good Church Insurance Agent
02:57 Importance of Accurate Information
03:55 Creating the True Texas Church Insurance Program
04:33 Final Thoughts and Resources
]]></description>
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      <pubDate>Fri, 30 Jan 2026 12:59:59 +0000</pubDate>
      <itunes:duration>319</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>How Can Too Many Church Insurance Quotes Work Against You?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the potential issues that arise when church leaders work with multiple insurance agents. Drawing from a real scenario involving a church in Amarillo, the episode highlights how contacting multiple agents for insurance quotes can lead to confusion, inconsistent information, and ultimately higher costs. Wadley explains the importance of using a single, experienced church insurance specialist to accurately present the church's full story to underwriters, ensuring better coverage and risk management. He emphasizes the value of trusted independent agents and strategic risk placement over simply chasing quotes. 

Contact our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:34 Ben's Insurance Dilemma
01:31 The Pitfalls of Multiple Agents
04:12 The Right Approach to Church Insurance
04:52 Conclusion and Next Steps
]]></description>
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      <pubDate>Thu, 29 Jan 2026 13:00:00 +0000</pubDate>
      <itunes:duration>350</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>How Does an Inexperienced Insurance Agent Put My Church at Risk?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans addresses the urgent challenges Texas churches face with their insurance policies. He explains how rising premiums, non-renewal notices, and shrinking coverage options are leading pastors and church leaders to seek help from inexperienced agents, which could leave critical coverage gaps. Ron highlights the unique risks churches face, such as liability for counseling, mission trips, and employment-related claims, and how an uninformed insurance agent could leave churches vulnerable. He emphasizes the importance of working with experienced church insurance specialists who understand the complexities of church operations and can provide comprehensive coverage. 

Contact our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:27 Current Challenges Facing Texas Churches
00:57 The Dangers of Inexperienced Insurance Agents
01:24 Unique Risks in Church Insurance
02:00 Common Insurance Gaps and Misunderstandings
03:12 The Importance of Experienced Church Insurance Specialists
04:15 Insurance for Texans: Our Approach
04:54 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Wed, 28 Jan 2026 12:59:59 +0000</pubDate>
      <itunes:duration>321</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Can I Get Multiple Quotes at Once for My Texas Church Insurance?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the importance of selecting the right church insurance policy. Through the story of Grace Fellowship's struggle after a devastating hailstorm, he illustrates the pitfalls of choosing insurance based solely on price. Wadley emphasizes the need to work with a specialized insurance agent who understands the unique risks and needs of churches in Texas. He explains how gathering multiple quotes from different agents can confuse insurance carriers and lead to inadequate coverage. 

Connect with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:25 A Common Mistake in Church Insurance
00:51 The Consequences of Cheap Insurance
02:08 Understanding the Insurance Process
03:55 The Importance of a Specialist
04:34 Final Thoughts and Resources
]]></description>
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      <pubDate>Tue, 27 Jan 2026 13:00:00 +0000</pubDate>
      <itunes:duration>319</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>What Should Texas Church Leaders Know About Loss Runs?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance, host Ron Wadley of Insurance for Texans explains the significance of loss runs in the context of church insurance. He highlights the struggles faced by Texas churches due to rising property insurance costs and the mid-process requests for loss runs by insurance agents. Wadley defines loss runs as records of a church's insurance claims history, which are important for obtaining accurate insurance quotes. He outlines the importance of requesting and reviewing these reports to ensure accuracy, as they impact coverage options and premium rates. 

Connect with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:27 The Challenge of Rising Insurance Costs
01:36 Understanding Loss Runs
03:19 How to Obtain and Review Loss Runs
03:43 The Importance of Accurate Loss Runs
04:27 Leveraging Loss Runs for Better Coverage
04:57 Final Thoughts and Resources
]]></description>
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      <pubDate>Mon, 26 Jan 2026 13:00:00 +0000</pubDate>
      <itunes:duration>351</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Is There a Difference Between Replacement Cost and Actual Cash Value for Church Insurance?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses the critical differences between actual cash value (ACV) and replacement cost insurance for churches. Using a real-life example from a church in Abilene, Ron explains how lack of understanding of ACV can lead to unexpected financial shortfalls after a disaster. He emphasizes the importance of knowing what type of coverage your church policy includes before a claim occurs and underscores the value of working with a church insurance specialist. Ron also touches on the increasing difficulty of obtaining replacement cost coverage and the need for strategic planning in church insurance.

Allow our church insurance agents to help you with your church’s insurance. Go to our website at insurancefortexans.com

If you would like an overview of church insurance, read our book, The Promise of Certainty. Get your copy at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:25 Understanding Actual Cash Value vs. Replacement Cost
00:38 Real-Life Example: Mark's Church Roof Claim
01:19 Breaking Down Replacement Cost Coverage
01:48 The Reality of Actual Cash Value Policies
02:15 The Shift in Texas Church Insurance Policies
02:31 Is Replacement Cost Always Better?
02:58 Challenges in Obtaining Replacement Cost Coverage
03:53 Making Informed Insurance Decisions
04:28 The Importance of Working with a Specialist
05:02 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Fri, 23 Jan 2026 12:59:59 +0000</pubDate>
      <itunes:duration>331</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>What Are 5 Things that Cause Leaders to Complain About Texas Church Insurance?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans addresses the top complaints church leaders have about their insurance. The discussion covers issues like rising premiums, inadequate coverage fit for modern church operations, frustrations with the claims process, discovering exclusions and limits after filing claims, and the lack of real support from insurance agents who don’t specialize in church insurance. Ron emphasizes the importance of having an advisory-focused insurance partner like Insurance for Texans.

Connect with our church insurance team at insurancefortexans.com

Get a better understanding of church insurance by reading our book, The Promise of Certainty. Get your copy at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:27 Top Complaints from Church Leaders
00:57 Rising Premiums and Broader Forces
01:33 Coverage Mismatches with Church Operations
02:13 Challenges in the Claims Process
02:51 Exclusions and Limits Discovered Too Late
03:21 Lack of Real Support for Churches
03:56 Solutions and Final Thoughts
04:11 Conclusion and Resources
]]></description>
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      <pubDate>Thu, 22 Jan 2026 13:00:00 +0000</pubDate>
      <itunes:duration>294</itunes:duration>
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    <item>
      <title>What Does it Mean if My Texas Church Insurance Company is Non-Admitted?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley of Insurance for Texans discusses an important but often confusing topic for church leaders: the difference between admitted and non-admitted insurance carriers in Texas. Using the case of Charles, a church leader from Frisco, Ron explains that admitted insurance carriers are regulated by the Texas Department of Insurance and come with state-backed guaranty fund protection. On the other hand, non-admitted carriers offer more flexibility and may be better suited for older buildings or high-risk weather areas. The key takeaway is that financial strength and suitability to specific church needs matter more than the regulatory label. Ron advises church leaders to seek expert guidance to make informed decisions and to focus on protecting what truly matters to their church.

Contact our church insurance team at insurancefortexans.com

Find out more about church insurance in Texas by reading our book, The Promise of Certainty. Get your copy at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:33 Meet Charles: A Case Study
01:14 Understanding Admitted Insurance
02:08 Exploring Non-Admitted Insurance
03:42 Making the Right Choice for Your Church
04:43 Guidance and Resources
05:25 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Wed, 21 Jan 2026 12:59:59 +0000</pubDate>
      <itunes:duration>352</itunes:duration>
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      <title>What Are Three Questions that Need Answers Before We Buy Church Insurance?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses the critical aspects of church insurance for pastors and church leaders in Texas. He introduces Sylvia, a newcomer to her church’s finance committee in Waco, who faced several questions about the church's insurance needs. The episode explores the essential types of coverage required.  Ron examines the factors that affect insurance costs and highlights the importance of selecting the right insurance provider knowledgeable about Texas-specific risks. 

Connect with our church insurance team at insurancefortexans.com

Get an overview of church insurance by reading our book, The Promise of Certainty. Get your copy at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:36 Meet Sylvia: A Church Finance Committee Member
01:31 Understanding Church Insurance Needs
03:06 The Cost of Church Insurance in Texas
04:11 Choosing the Right Insurance Provider
04:58 Conclusion and Next Steps
]]></description>
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      <pubDate>Tue, 20 Jan 2026 13:00:00 +0000</pubDate>
      <itunes:duration>339</itunes:duration>
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      <title>Why Is Texas Church Property Insurance Not Getting Less Expensive?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans addresses the concern of rising property insurance premiums faced by churches in Texas. Using Pastor Ben from Lubbock as an example, he explains why premiums continue to climb. Ron discusses the impact of increasing extreme weather events and the concept of a shared risk pool. He also explains the importance of a proactive and comprehensive insurance plan over simply seeking cheaper policies. 

Find out how True Texas Church Insurance works by connecting with our church insurance team at insurancefortexans.com

And for a fuller understanding of church insurance, get a copy of our book, The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:35 Pastor Ben's Insurance Dilemma
01:41 Understanding the Weather Tax
02:27 The Impact of Frequent Storms
03:06 Rising Costs of Rebuilding
04:01 The Need for a Better Insurance Plan
04:32 Conclusion and Next Steps
]]></description>
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      <pubDate>Mon, 19 Jan 2026 13:00:00 +0000</pubDate>
      <itunes:duration>325</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>What You Need to Do If Your Church Needs Insurance Right Now.</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance, host Ron Wadley from Insurance for Texans, explores the critical issue of securing appropriate insurance coverage for churches, particularly when facing non-renewal notices. The episode highlights the experiences of Gene, an administrative pastor from Waco, who struggled with finding new insurance coverage after his church's policy was not renewed. It delves into the reasons behind the changing insurance landscape, and the importance of having a specialized church insurance agent. 

Connect with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:27 Urgency in Church Insurance Renewal
00:41 Gene's Story: Navigating Insurance Challenges
01:48 Understanding the Changing Insurance Landscape
02:50 Strategies for Securing Church Insurance
04:26 Final Thoughts and Resources
]]></description>
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      <pubDate>Fri, 16 Jan 2026 12:59:59 +0000</pubDate>
      <itunes:duration>333</itunes:duration>
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      <title>What is Causing Insurance Companies to Drop Texas Churches?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley addresses a pressing issue for many Texas churches. Why are insurance companies dropping church policies? Ron explains the reasons behind the non-renewal notices, including severe weather events, population growth, increased construction costs, and spikes in reinsurance prices. He emphasizes the importance of maintaining continuous coverage to safeguard church missions and offers practical advice for church leaders facing insurance challenges. 

Connect with our church insurance team at insurancefortexans.com

Get a copy of book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:34 The Rising Issue: Insurance Companies Dropping Churches
01:32 Understanding the Causes Behind Non-Renewals
03:18 The Importance of Continuous Coverage
03:48 Solutions and Guidance for Church Leaders
04:22 Final Thoughts and Resources
]]></description>
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      <pubDate>Thu, 15 Jan 2026 12:59:59 +0000</pubDate>
      <itunes:duration>344</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Is Church Insurance in Texas Really Just a Scam?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the frustrations many Texas church leaders face with insurance policies. Using a real-life example of Marvin from Waco, Ron outlines how rising premiums, slow claims processes, and hidden policy exclusions can make insurance feel like a scam. He emphasizes the importance of having a clear understanding of insurance policies, the impact of high deductibles, and the need for better advocacy and tailored coverage. 

Connect with our church insurance team at insurancefortexans.com

Get a copy of our book at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:36 Marvin's Story: A Real-Life Insurance Dilemma
01:34 Why Insurance Feels Like a Scam
02:36 The Importance of Understanding Coverage
03:30 High Deductibles and Their Impact
04:35 The True Texas Church Insurance Program
04:50 How to Get Help and Further Resources
05:21 Conclusion: Safeguarding Your Mission
]]></description>
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      <pubDate>Wed, 14 Jan 2026 12:59:59 +0000</pubDate>
      <itunes:duration>353</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>How Can Texas Churches Navigate Non-Renewal Notices?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses the critical issue of insurance non-renewals affecting churches in Texas. He describes the example of Lane's church in Amarillo, which experienced a sudden non-renewal notice despite having no scandals or accusations. Ron explains how factors like severe weather, inflation, and rising reinsurance costs are driving these non-renewals. He emphasizes the importance of taking calm, informed actions and working with a Texas-based church insurance specialist to effectively navigate these challenges. The episode also highlights the importance of regularly reviewing and updating church insurance policies to ensure they align with current risks. 

Connect with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:28 The Issue of Non-Renewals in Church Insurance
01:20 Understanding the Texas Church Insurance Market
02:18 The Importance of Proactive Insurance Management
03:02 Specialized Church Insurance Solutions
03:56 How to Respond to Non-Renewal Notices
04:16 Resources for Church Leaders
04:36 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Tue, 13 Jan 2026 13:00:00 +0000</pubDate>
      <itunes:duration>305</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Reasons Why Skipping Church Insurance Can Be Expensive</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses the critical importance of maintaining insurance for churches, despite rising premiums. Through the story of Ted and his finance committee's dilemma, Ron explains the hidden risks and long-term costs of going uninsured, including property damage and liability exposure. He emphasizes the necessity of church leaders making informed decisions about insurance to protect their ministries and offers practical advice on finding affordable, adequate coverage with the help of church insurance specialists. 

Connect with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:34 The True Cost of Skipping Church Insurance
00:42 Real-Life Example: Ted's Dilemma
01:35 The Risks of Going Uninsured
02:09 Liability Exposure: The Hidden Dangers
02:47 The Ripple Effect of Uninsured Losses
03:12 Finding the Right Insurance Balance
03:44 Working with a Church Insurance Specialist
04:25 Conclusion and Next Steps
]]></description>
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      <pubDate>Mon, 12 Jan 2026 12:59:59 +0000</pubDate>
      <itunes:duration>326</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>Can An Umbrella Policy Save the Day for Texas Churches?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance, host Ron Wadley from Insurance for Texans discusses the critical need for Texas churches to consider umbrella policies for extra protection. Through a story about a neighboring church that faced financial strain due to a lawsuit after a community event accident, he explains how basic liability insurance may fall short in covering large claims. Ron emphasizes the importance of umbrella policies in extending coverage beyond existing limits, thus safeguarding the church’s mission and financial stability. 

Connect with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:26 The Importance of an Umbrella Policy
00:35 Steven's Story: A Wake-Up Call
01:38 Understanding General Liability and Additional Coverages
02:08 The Role of an Umbrella Policy
02:34 Why Your Church Needs an Umbrella Policy
03:34 How to Protect Your Church
04:07 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Fri, 09 Jan 2026 12:59:59 +0000</pubDate>
      <itunes:duration>274</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Has Your Church Insurance Policy Stayed the Same While Your Church Has Grown?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the importance of updating church insurance policies to reflect current needs. Through Teddy's story, a careful church finance committee member, the episode highlights the pitfalls of outdated insurance coverage. Rising premiums, inadequate property values, evolving ministry activities, and changing claim realities are discussed. Ron emphasizes the need for clarity and proper stewardship, advocating for a proactive approach to insurance.

Connect with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:33 Meet Teddy: A Church's Insurance Dilemma
01:51 The New Normal for Texas Churches
02:39 Key Areas Where Churches Are Underinsured
03:44 The Promise of Certainty: A Solution for Churches
04:13 Conclusion and Next Steps
]]></description>
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      <pubDate>Thu, 08 Jan 2026 12:59:59 +0000</pubDate>
      <itunes:duration>305</itunes:duration>
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    <item>
      <title>Why Does the Insurance Company Want to Inspect My Church?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley of Insurance for Texans discusses the reasons behind insurance inspections for church properties and addresses common concerns among church leaders. He emphasizes that inspections are not punitive but a normal part of the process to evaluate and confirm property conditions, especially for churches with unique risks. Ron highlights how inspections can actually benefit churches by identifying issues early, ensuring stable premiums, and preparing for potential claims. The episode also provides advice on how church leaders should handle inspections and collaborate with specialized insurance agents for the best outcomes.

Connect with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:26 The Unsettling Call for an Inspection
01:21 Understanding the Purpose of Inspections
02:50 What Inspectors Look For
04:02 How to Respond to Inspection Findings
04:52 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Wed, 07 Jan 2026 12:59:59 +0000</pubDate>
      <itunes:duration>341</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>What Should You Do If Your Church Fails a Property Inspection?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley addresses the frustration that church leaders face when faced with failed property inspections. The episode features a case study of Jim's church in Lubbock, which faced policy cancellation due to unresolved issues found during an inspection. Ron explains that such failures do not mean wrongdoing but indicate risks the insurance company wants mitigated. He advises church leaders to review inspection reports carefully, prioritize repairs with the help of experienced insurance agents, and ensure proper documentation to maintain coverage. The episode underscores the importance of proactive risk management in safeguarding church properties and missions.

Connect with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:40 Jim's Story: A Church's Insurance Struggle
01:32 Understanding Property Inspections
02:57 Steps to Take After a Failed Inspection
04:27 The Importance of Active Leadership in Church Insurance
04:47 Conclusion and Next Steps
]]></description>
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      <pubDate>Tue, 06 Jan 2026 12:59:59 +0000</pubDate>
      <itunes:duration>354</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>Did Your Church Fail An Insurance Inspection Because of An Electrical Panel?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the critical issue of failing a church insurance inspection due to the presence of a Federal Pacific Electrical panel. Through the story of a church in Lubbock, Ron explains how these outdated panels pose serious fire hazards and often lead to coverage cancellations. He underscores the changing landscape of the Texas property insurance market, where detailed inspections are becoming the norm. The episode emphasizes the importance of proactive maintenance, knowledge of your building's electrical system, and working with specialized insurance agents to safeguard your church's mission.

Connect with our church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:27 The Problem: Failing a Church Insurance Inspection
01:29 Understanding Federal Pacific Electrical Panels
03:04 The Consequences of Failing an Inspection
03:21 Steps to Protect Your Church
03:52 The Importance of Proactive Church Insurance Management
04:08 How Insurance for Texans Can Help
04:59 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Mon, 05 Jan 2026 12:59:59 +0000</pubDate>
      <itunes:duration>328</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Is Your Texas Church Adequately Covered for Water Damage?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses the intricacies of water damage coverage for churches. The episode explores various scenarios of water damage, such as burst pipes, failed water heaters, and wind-driven rain, and how they are typically covered under standard Texas church property policies. It also addresses common exclusions like slow leaks and the critical distinction between water damage and flood damage. The discussion emphasizes the importance of thoroughly understanding the fine print in church insurance policies to avoid unexpected financial burdens. Practical solutions such as adding water backup coverage and installing water sensors are also suggested to reduce risks. 

Allow our church insurance team to help you with your church’s insurance policy by visiting our website at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:33 Understanding Water Damage Coverage
01:24 Common Water Damage Scenarios
02:51 The Importance of Policy Details
03:53 Steps to Enhance Water Coverage
04:40 Conclusion and Resources
]]></description>
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      <itunes:duration>307</itunes:duration>
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      <title>Are There Affordable Solutions for Texas Church Property Insurance?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the rising costs and challenges of property insurance that many Texas churches are currently facing. Through the story of Bill, a church leader in Waco who received a non-renewal notice, Ron highlights the market changes, including insurance companies exiting the state and increasing premiums. He emphasizes the importance of having at least minimal insurance coverage and reassures listeners that liability insurance remains affordable. 

Connect with our church insurance team at insurancefortexans.com

Get a copy of our book at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:25 The Rising Cost of Property Insurance
00:43 Bill's Story: Facing Non-Renewal
01:26 The Changing Insurance Market
02:42 The Importance of Liability Insurance
03:18 Finding Realistic Insurance Solutions
03:47 Guidance for Church Leaders
04:22 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Thu, 01 Jan 2026 12:59:59 +0000</pubDate>
      <itunes:duration>289</itunes:duration>
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      <title>How Can My Church Prepare for The Top 3 Property Risks in Texas?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the real and everyday property risks that Texas churches face. Things such as hail damage, internal water damage, and vandalism are all risks. He emphasizes the importance of regularly reviewing and updating insurance policies to avoid unexpected expenses and coverage gaps. The episode highlights a real-life example of a church impacted by a hailstorm, illustrating the significant out-of-pocket expenses that can arise when policies are not properly maintained. 

Connect with our church insurance team at insurancefortexans.com

Get a copy of our book at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:27 Real Property Risks for Texas Churches
00:50 Case Study: Hailstorm Damage
01:14 Understanding Insurance Policy Details
02:21 Water Damage Risks
02:53 Vandalism and Theft Concerns
03:31 The Importance of Regular Insurance Reviews
04:20 Conclusion and Resources
]]></description>
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      <pubDate>Wed, 31 Dec 2025 12:59:59 +0000</pubDate>
      <itunes:duration>287</itunes:duration>
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      <title>Should My Texas Church Review our Church Insurance Policy to Prepare for Storm Season?</title>
      <description><![CDATA[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 avoid unexpected financial burdens from hail and wind damage. The episode also explores solutions like deductible buy-down policies and stresses the need for proactive planning. 

For a review of your church’s insurance policy, contact our church insurance team at insurancefortexans.com

Grab a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:27 The Importance of Reviewing Insurance Policies
00:49 Kevin's Church: A Case Study
01:45 Understanding Wind and Hail Deductibles
02:42 The Consequences of Unreported Damage
03:24 Solutions for High Deductibles
04:08 Final Thoughts and Recommendations
04:29 Conclusion and Resources
]]></description>
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      <pubDate>Tue, 30 Dec 2025 12:59:59 +0000</pubDate>
      <itunes:duration>312</itunes:duration>
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      <title>What Should Texas Church Leaders Do the Morning After a Big Hail Storm?</title>
      <description><![CDATA[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 provided helps ensure a smoother claims process, faster recovery, and reduced stress. 

If you would like a review of your church’s coverage, connect with our church insurance team at insurancefortexans.com

Grab a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:25 Morning After a Hailstorm: Immediate Actions
01:18 Documenting the Damage
02:11 Stabilizing the Situation
02:51 Understanding Your Policy Before Filing a Claim
03:40 The Importance of a Local Insurance Partner
04:20 Final Thoughts and Resources
]]></description>
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      <pubDate>Mon, 29 Dec 2025 13:00:00 +0000</pubDate>
      <itunes:duration>284</itunes:duration>
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      <title>Faithful Stewardship at Christmas: Born in a Manger, Trusted with Much</title>
      <description><![CDATA[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 stewardship and practical measures like insurance play an important role in sustaining church missions amidst risks. 

If you would like a free copy of our book, The Promise of Certainty, send an email request to ron@insurancefortexans.com and he will send you a copy.

Merry Christmas!


00:00 Introduction to Faith Stewardship and Insurance
00:18 A Different Approach for Christmas Week
00:55 Reflecting on the Birth of Jesus
01:46 The Deeper Message of Christmas
02:01 Faithful Stewardship in Practice
03:31 Encouragement for Church Leaders
04:30 A Christmas Gift and Final Reflections
]]></description>
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      <pubDate>Mon, 22 Dec 2025 13:00:00 +0000</pubDate>
      <itunes:duration>317</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>What Do Church Leaders Need to Know About Business Interruption Insurance in Texas?</title>
      <description><![CDATA[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 covered, such as lost income and temporary operating costs, and the necessity of working with experienced church insurance specialists to ensure adequate coverage. 

Connect with our church insurance team at insurancefortexans.com

For a more in depth look at church insurance, get a copy of our book The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:25 Understanding Business Interruption Insurance
01:21 Real-Life Impact of Business Interruption Coverage
02:04 Why Business Interruption Coverage is Essential
02:48 Ensuring Adequate Coverage for Your Church
03:24 How to Get Help and Additional Resources
04:02 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Fri, 19 Dec 2025 13:00:00 +0000</pubDate>
      <itunes:duration>269</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>Where Can Texas Churches Find Help with Human Resources?</title>
      <description><![CDATA[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 and the potential liabilities that churches face as employers. Ron Wadley explains how partnering with the right insurance program can provide essential HR support, helping churches implement necessary policies and practices to protect their congregations.

Connect with our church insurance team by visiting our website at insurancefortexans.com

To understand more details about church insurance, get a copy of our book The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:27 The Importance of Human Resources in Churches
00:46 A Cautionary Tale: Bob's Church Experience
02:02 The Consequences of Poor HR Practices
03:33 Finding the Right HR Support
04:24 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Thu, 18 Dec 2025 12:59:59 +0000</pubDate>
      <itunes:duration>343</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>How Can Churches Bless Their Pastor with Life Insurance?</title>
      <description><![CDATA[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 through the story of Tim from Abilene, who ensures his church's new pastor is well-protected. 

For further discussion on life insurance, connect with our church insurance team at insurancefortexans.com

To learn more about all things church insurance, get a copy of our book The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:26 Blessing Your Pastor with Life Insurance
01:20 Understanding Church-Owned Life Insurance Policies
02:10 Types of Life Insurance Explained
03:14 The Importance of Proper Policy Structure
03:52 Conclusion and Next Steps
]]></description>
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      <pubDate>Wed, 17 Dec 2025 13:00:00 +0000</pubDate>
      <itunes:duration>294</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>How to Shield Your Texas Pastor from Crippling Medical Debt</title>
      <description><![CDATA[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 as accident plans, critical illness plans, and indemnity plans that can provide financial shields to fill in the gaps. These tools are designed to work alongside high-deductible or catastrophic plans.

For more information on how to protect your church’s pastor, visit our website and connect with our church insurance team today. insurancefortexans.com

For a quick, but detailed explanation of all things church insurance, get a copy of our book, The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:26 The Challenge of Medical Debt for Pastors
00:38 Pastor John's Story: A Case Study
02:06 Understanding the Medical Bill Gap
02:25 Cost-Effective Tools for Churches
03:23 The Benefits of Adding Protection
03:59 How to Get Started with Church Insurance
04:34 Conclusion: Safeguarding Your Church's Mission
]]></description>
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      <pubDate>Tue, 16 Dec 2025 13:00:00 +0000</pubDate>
      <itunes:duration>300</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>What Do Church Leaders Need to Know About Level-Funded Health Coverage?</title>
      <description><![CDATA[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 highlights how level-funded plans divide payments into administrative fees, stop-loss insurance, and a claims fund. These plans help churches manage risks and potentially save on costs without slashing benefits or pushing staff into the ACA marketplace. 

If you are considering a level-funded plan for your church, connect with our church insurance team at insurancefortexans.com

For more insight into church insurance, get a copy of our book, The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:35 Understanding the Frustration with Traditional Health Insurance
01:08 Introduction to Level Funded Health Coverage
01:45 How Level Funded Plans Work
02:10 Addressing Concerns and Benefits of Level Funded Plans
02:55 Partnering with Insurance for Texans
03:36 Conclusion and Next Steps
]]></description>
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      <pubDate>Mon, 15 Dec 2025 12:59:59 +0000</pubDate>
      <itunes:duration>290</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>What Does Directors &amp; Officers Insurance Coverage Do For My Church's Leaders?</title>
      <description><![CDATA[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 arise. He emphasizes how D&O insurance protects both personal and church assets. He outlines what church leaders should look for when securing D&O coverage and offers guidance through the True Texas Church Insurance program to ensure proper protection for volunteers and leaders.

Connect with our church insurance team at insurancefortexans.com

Grab a copy of our book about church insurance at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:29 Series Wrap-Up: Liability Coverages for Texas Churches
00:33 Understanding Directors and Officers Insurance
01:30 The Importance of D&O Coverage
02:41 Key Features of D&O Policies
03:56 Guidance for Securing D&O Coverage
04:59 Conclusion and Next Steps
]]></description>
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      <pubDate>Fri, 12 Dec 2025 13:00:00 +0000</pubDate>
      <itunes:duration>343</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>How to Navigate Employment Lawsuits in Texas Churches </title>
      <description><![CDATA[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 businesses and the significance of EPLI in protecting against employment-related claims such as wrongful termination, discrimination, and harassment. He emphasizes prevention through proper documentation, consistent HR practices, and comprehensive insurance coverage. Listeners are encouraged to review their current policies and consider EPLI to manage risks effectively.

For a review of your church’s policy, connect with our church insurance team at insurancefortexans.com

Grab a copy of our book at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:29 Understanding Employment Lawsuits
01:58 The Unique Liabilities of Churches
02:43 Employment Practices Liability Insurance (EPLI)
03:23 Preventing Employment Claims
04:14 Review and Resources
04:38 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Thu, 11 Dec 2025 13:00:00 +0000</pubDate>
      <itunes:duration>309</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>What is the Purpose of Church Media Liability Insurance Coverage?</title>
      <description><![CDATA[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 churches may face, such as copyright infringement and commentary on sensitive issues, and why standard liability policies often fall short. The episode emphasizes the importance of consulting with a church insurance specialist to secure adequate media liability coverage to protect the church's reputation, finances, and long-term ministry.

For a review of your church’s policy, connect with our church insurance team at insurancefortexans.com

Grab a copy of our book at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:25 Understanding Media Liability for Churches
00:47 Real-Life Example: Billy's Church in Lubbock
01:32 The Risks of Digital Ministry
02:18 What Media Liability Policies Cover
02:50 Common Surprises in Media Liability
03:33 Steps to Secure Media Liability Coverage
04:22 Conclusion and Next Steps
]]></description>
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      <pubDate>Wed, 10 Dec 2025 13:00:00 +0000</pubDate>
      <itunes:duration>319</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Why Should Church Leaders Care About Retro Dates in Church Liability Coverage?</title>
      <description><![CDATA[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
]]></description>
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      <pubDate>Tue, 09 Dec 2025 12:59:59 +0000</pubDate>
      <itunes:duration>363</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>What Are the Three Most Common Liability Risks for Texas Churches?</title>
      <description><![CDATA[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 or molestation allegations. He emphasizes the necessity of having comprehensive liability policies and preventive measures to safeguard the church's mission. 

For further guidance, listeners are encouraged to visit Insurance for Texans at insurancefortexans.com

And get a copy of the book 'The Promise of Certainty' at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:33 A Real-Life Incident: Slip and Fall
01:32 Understanding Slip and Fall Liability
02:18 Counseling Liability Risks
03:11 Addressing Abuse and Molestation Allegations
04:10 Comprehensive Liability Coverage
04:53 Conclusion and Further Resources
]]></description>
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      <pubDate>Mon, 08 Dec 2025 13:00:00 +0000</pubDate>
      <itunes:duration>345</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>What Are Three Alternatives in Texas to the ACA Health Exchange for Church Staff?</title>
      <description><![CDATA[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 church staff. The episode emphasizes the importance of customized insurance strategies and offers insights on how churches can secure affordable and comprehensive health coverage for their staff.

For help with your church’s insurance, contact our church insurance team at insurancefortexans.com

Get a copy of our book at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:27 Real World Health Insurance Solutions for Texas Churches
01:11 Private Health Plans: An Overlooked Option
02:00 Direct Primary Care and Catastrophic Coverage
02:56 Targeted Coverage Model with Limited Benefit Plans
04:01 Challenges with ACA Marketplace for Small Churches
04:46 Building a Sustainable Health Insurance Strategy
05:06 Conclusion and Next Steps
]]></description>
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      <pubDate>Fri, 05 Dec 2025 12:59:59 +0000</pubDate>
      <itunes:duration>354</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>How Affordable is Catastrophic Health Insurance for Small Texas Churches?</title>
      <description><![CDATA[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 benefits of lower premiums and meaningful protection against major medical expenses, emphasizing the importance of safeguarding both the financial stability and the mission of the church. Listeners are encouraged to visit Insurance for Texans for personalized guidance at insurancefortexans.com

Get a copy of our book at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:27 The Challenge of Health Insurance for Small Churches
01:28 Exploring Catastrophic Health Coverage
02:26 Comparing Traditional and Catastrophic Plans
02:59 Making the Right Choice for Your Church
03:43 How Insurance for Texans Can Help
04:34 Conclusion and Next Steps
]]></description>
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      <pubDate>Thu, 04 Dec 2025 13:00:00 +0000</pubDate>
      <itunes:duration>301</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>How Can Small Churches Show Big Care by Providing Health Insurance for Staff?</title>
      <description><![CDATA[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 out-of-pocket costs, network size, and financial risk. Ron Wadley introduces supplemental options like indemnity plans and critical illness or accident policies, offering affordable protection to small church staff. 

If your church needs help with insurance, reach out to our church insurance team at insurancefortexans.com

Get a copy of our book at thepromiseodcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:26 Challenges of Health Insurance for Small Churches
01:44 Exploring Health Insurance Options
03:05 Supplementing Basic Health Plans
04:08 Conclusion and Resources
]]></description>
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      <pubDate>Wed, 03 Dec 2025 13:00:00 +0000</pubDate>
      <itunes:duration>313</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    </item>
    <item>
      <title>How Can a Self Funded Plan Help My Small Texas Church?</title>
      <description><![CDATA[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 their benefits such as lower monthly costs, customized coverage, and stop-loss protection. Through a real-life example of Ted's church in Abilene, Texas, the show illustrates how self-funded plans can offer peace of mind while fitting a church's budget and needs. 

For help with your church’s health insurance, contact our church insurance team today at insurancefortexans.com

Get a copy of our book at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:26 Understanding Self-Funded Health Insurance
00:58 Ted's Journey with Self-Funded Plans
01:45 How Self-Funded Plans Work
02:35 Advantages of Self-Funded Plans
03:09 Is Self-Funding Right for Your Church?
03:25 Expert Guidance and Support
04:11 Conclusion and Next Steps
04:42 Final Thoughts on Stewardship
]]></description>
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      <pubDate>Tue, 02 Dec 2025 13:00:00 +0000</pubDate>
      <itunes:duration>306</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>How is Catastrophic Health Insurance a Solution for Small Churches in Texas?</title>
      <description><![CDATA[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 with Health Reimbursement Arrangements (HRAs) and other supplemental policies to offer meaningful protection. Ron reassures church leaders that with the right guidance, they can safeguard their staff's health without overstretching their budget.

Allow Insurance For Texans to help you with your church’s health insurance by visiting our website at insurancefortexans.com

Learn more about church insurance by getting a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:26 Health Insurance for Texas Church Ministry Staff
00:42 Challenges Faced by Small Churches
01:41 Understanding Catastrophic Health Insurance
02:00 Benefits of Catastrophic Health Plans
03:25 Combining Catastrophic Coverage with Other Strategies
03:53 Support from Insurance For Texans
04:50 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Mon, 01 Dec 2025 12:59:59 +0000</pubDate>
      <itunes:duration>288</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Thankful for The Future That We Are Building</title>
      <description><![CDATA[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. The episode also wraps up a Thanksgiving week series by focusing on gratitude and preparation for the future, both online and otherwise.

Meet our church insurance team at insurancefortexans.com

Get a copy of our book at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:36 Understanding the Digital Threat Landscape
02:21 Practical Steps to Safeguard Your Church
03:55 Gratitude and Future Preparedness
04:08 Conclusion and Resources
]]></description>
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      <pubDate>Fri, 28 Nov 2025 13:00:00 +0000</pubDate>
      <itunes:duration>271</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>Thankful for The Trials That Taught Us</title>
      <description><![CDATA[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 safeguarding church missions. Wadley encourages church leaders to proactively strengthen their crisis response plans and offers resources for further guidance.

Connect with our church insurance team at insurancefortexans.com

Get a copy of our book at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:27 A Week of Gratitude
00:45 A Crisis in My Church
01:40 Lessons from Trials
02:25 The Importance of Preparedness
02:52 Gratitude and Reflection
03:30 Final Thoughts and Resources
]]></description>
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      <pubDate>Thu, 27 Nov 2025 13:00:00 +0000</pubDate>
      <itunes:duration>272</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Thankful for The Lessons We Have Learned</title>
      <description><![CDATA[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 reviews. The episode emphasizes gratitude for wisdom gained from challenging experiences and encourages church leaders to use these lessons to enhance their insurance coverage and stewardship. Listeners are invited to contact our church insurance team by visiting insurancefortexans.com

Get a copy of the book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:28 Reflecting on Lessons Learned
00:56 A Case Study: Waco Church's Experience
02:02 The Importance of Asking Questions
02:53 Turning Mistakes into Blessings
03:22 Final Thoughts and Resources
]]></description>
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      <pubDate>Wed, 26 Nov 2025 13:00:00 +0000</pubDate>
      <itunes:duration>282</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Thankful for The People Who Serve</title>
      <description><![CDATA[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. He encourages listeners to show gratitude to their church staff and volunteers. The episode underlines that good stewardship starts with gratitude and reminds listeners that insurance is not just about policies but about safeguarding the church's mission.

Connect with our church insurance team at insurancefortexans.com

Get a copy of our book at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:26 A Thanksgiving Reflection on Ministry
00:40 Cheryl's Story: Handling a Church Crisis
01:38 The Importance of a Prepared Team
01:59 Expressing Gratitude to Church Staff
02:17 Ensuring Your Church is Protected
02:35 Conclusion: Stewardship and Gratitude
]]></description>
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      <pubDate>Tue, 25 Nov 2025 13:00:00 +0000</pubDate>
      <itunes:duration>173</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>Thankful for Protection &amp; Remembering Why We Prepare</title>
      <description><![CDATA[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 insurance is about stewardship rather than fear, Ron encourages churches to prepare wisely to safeguard their mission. He concludes by inviting listeners to work with our church insurance team by visiting our website at insurancefortexans.com

He also reminds everyone to grab a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:26 Reflecting on Past Episodes
00:47 A Story of Thankfulness and Preparedness
01:57 The Importance of Church Insurance
02:17 Partnering for Peace of Mind
02:51 Conclusion and Thanksgiving Wishes
]]></description>
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      <pubDate>Mon, 24 Nov 2025 12:59:59 +0000</pubDate>
      <itunes:duration>190</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>What Happens When My Church Goes Without Insurance in Texas?</title>
      <description><![CDATA[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 weather events on insurance premiums, and tips for reapplying for insurance. Emphasizing the importance of continuous coverage and offering practical steps for uninsured churches to take, the episode also encourages churches to work with specialists to find the right insurance solutions. 

Go to insurancefortexans.com to connect with our church insurance team

Grab a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:31 The Consequences of Letting Insurance Lapse
01:24 Challenges in Reapplying for Insurance
02:07 The New Reality of Church Insurance in Texas
04:04 Steps to Reinsure Your Church
04:42 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Fri, 21 Nov 2025 13:00:00 +0000</pubDate>
      <itunes:duration>309</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>What Does It Mean to Have Functional Replacement Cost on My Church Insurance Policy?</title>
      <description><![CDATA[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 trade-offs between lower premiums and potential loss of historic features. He shares a real-life example of a 100-year-old Central Texas church facing this issue and offers practical advice on balancing affordability with protection through the right insurance endorsements. The episode encourages church leaders to understand their policies and make informed decisions to safeguard their church's history and future.

For a review of your church’s insurance policy, visit insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:41 Understanding Functional Replacement Cost
00:52 Case Study: Historic Central Texas Church
01:37 Implications of Functional Replacement Cost
03:34 Balancing Affordability and Protection
04:44 Conclusion and Next Steps
]]></description>
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      <pubDate>Thu, 20 Nov 2025 12:59:59 +0000</pubDate>
      <itunes:duration>341</itunes:duration>
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    <item>
      <title>Who Should Pay for Church D&amp;O Insurance Coverage?</title>
      <description><![CDATA[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 loss due to lawsuits. He argues that for most Texas churches, incorporating this coverage into the church's overall insurance plan is the best practice to ensure strong leadership and protect the church's interests.

For a review of your church’s insurance policy, visit insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:27 The Importance of Directors and Officers Insurance
00:46 Case Study: Fort Worth Church's Leadership Challenge
01:33 Understanding Directors and Officers Insurance
02:18 Why Churches Should Pay for D&O Insurance
03:44 How Insurance for Texans Can Help
04:33 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Wed, 19 Nov 2025 13:00:00 +0000</pubDate>
      <itunes:duration>303</itunes:duration>
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    <item>
      <title>How Does An Sublimit Affect My Church's Insurance Claim in Texas?</title>
      <description><![CDATA[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, and provides actionable advice on how churches can review and adjust their policies to avoid unexpected shortfalls. Ron emphasizes the importance of understanding policy fine print to ensure that all valuable assets of a church are adequately protected.

Visit insurancefortexans.com to connect with our church insurance team

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:27 Understanding Sub Limits in Church Insurance
00:49 Real-Life Example: The Waco Church Incident
01:34 Common Sub Limits and Their Impact
03:10 How to Avoid Being Caught Off Guard by Sub Limits
03:47 Ensuring Full Protection for Your Ministry
04:37 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Tue, 18 Nov 2025 12:59:59 +0000</pubDate>
      <itunes:duration>303</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Does Our Church Need a Special Insurance Policy for The Church Run Daycare?</title>
      <description><![CDATA[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 insurance policy to safeguard against potential lawsuits, injuries, and other risks. He advises church leaders to regularly review and update their insurance to reflect changes in their operations, ensuring comprehensive protection. 

Close your church’s coverage gaps by speaking with our church insurance team at insurancefortexans.com

For more in depth knowledge about church insurance, get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:35 The Importance of Daycare Insurance for Churches
01:44 Understanding Insurance Coverage for Daycares
02:35 Common Gaps in Daycare Insurance Coverage
03:28 The Solution: Separate Daycare Insurance Policies
04:47 Final Thoughts and Next Steps
]]></description>
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      <pubDate>Fri, 14 Nov 2025 13:00:00 +0000</pubDate>
      <itunes:duration>347</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>Does Your Church Know What to Do about Auto Insurance?</title>
      <description><![CDATA[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 coverage.

Do you have the right auto coverage? Reach out to our church insurance team and they will review your church’s policy. Go to insurancefortexans.com

If you want to read more about church insurance, get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:32 The Importance of Church Auto Insurance
00:49 Real-Life Example: The Lubbock Church Van Incident
01:13 Understanding Commercial Auto Insurance
01:44 Uninsured and Underinsured Motorist Coverage
02:24 Prevention and Safety Measures for Church Vehicles
03:49 Final Thoughts and Call to Action
]]></description>
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      <pubDate>Thu, 13 Nov 2025 13:00:00 +0000</pubDate>
      <itunes:duration>284</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>What Would Your Texas Church Do if Violence Entered Your Sanctuary?</title>
      <description><![CDATA[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 episode also covers the sensitive topic of armed volunteers, advising churches to consult with law enforcement, legal counsel, and insurance agents before making decisions. Ron highlights the importance of partnering with local police, conducting regular safety training, and having a knowledgeable insurance partner to ensure your church is prepared for any situation. 

Allow our church insurance team to review your church’s insurance policy by visiting insurancefortexans.com

For more in depth information about church insurance, get a copy of our book, The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:34 Addressing Violence in Church Sanctuaries
01:46 Creating a Violent Response Plan
02:48 Partnering with Law Enforcement and Security Experts
03:18 The Debate on Armed Volunteers
04:08 Final Thoughts and Resources
]]></description>
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      <pubDate>Wed, 12 Nov 2025 12:59:59 +0000</pubDate>
      <itunes:duration>355</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Do You Know if Your Church's Overnight Youth Event is Covered by Your Church's Insurance Policy?</title>
      <description><![CDATA[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 measures, including parental waivers, background checks, supervision rules, and emergency planning. Additionally, three core liability policies are identified as essential for comprehensive coverage. 

To get a special event policy or to have one of our church insurance experts review your policy, go to insurancefortexans.com

You can get a copy of our book about church insurance called The Promise of Certainty at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:38 The Importance of Event Insurance for Youth Activities
02:12 Key Preventative Measures for Church Events
03:07 Essential Liability Policies for Churches
04:31 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Tue, 11 Nov 2025 13:00:00 +0000</pubDate>
      <itunes:duration>299</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>How Well Could Your Texas Church Handle a Crisis?</title>
      <description><![CDATA[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 background checks, clear policies and training, and essential insurance coverages. Wadley emphasizes the significance of clear communication and leadership during crises and provides actionable steps for church leaders to ensure they are ready for unexpected events.

For a review of your church’s insurance policy, go to insurancefortexans.com

Get a copy of our book, The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:33 A Personal Story of Crisis
01:11 Lessons Learned from Crisis
01:54 Practical Steps for Crisis Preparedness
02:53 Importance of Insurance Coverage
03:19 Types of Essential Insurance Coverage
04:23 Final Thoughts and Call to Action
05:10 Conclusion and Farewell
]]></description>
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      <pubDate>Mon, 10 Nov 2025 13:00:00 +0000</pubDate>
      <itunes:duration>336</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>How Can Catastrophic Coverage Be The Solution for Your Church's Health Insurance Needs?</title>
      <description><![CDATA[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 managing finances at a small church in Lubbock, listeners learn how catastrophic health coverage transformed their approach to staff care. The episode highlights the differences between catastrophic health insurance and health sharing ministries, emphasizing the importance of clear communication with staff to set proper expectations. 

For customized solutions for your church's insurance, contact our Church insurance team at insurancefortexans.com

For a deeper understanding of Church insurance, get a copy of our book, The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:35 Understanding Catastrophic Health Insurance
00:50 Real-Life Example: Tim's Church
01:26 Benefits of Catastrophic Health Insurance
01:44 Details of Catastrophic Health Insurance
02:56 Comparing Catastrophic Health Insurance and Health Sharing Ministries
03:25 Implementing Catastrophic Health Plans in Your Church
03:51 How Insurance for Texans Can Help
04:31 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Fri, 07 Nov 2025 12:59:59 +0000</pubDate>
      <itunes:duration>295</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>What Are Three Budget Friendly Ways for Small Churches to Provide Health Insurance Benefits?</title>
      <description><![CDATA[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 benefits and trade-offs of each option, emphasizing the importance of stewardship and faith-based community support. 

Start a conversation with our Church insurance team at insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:30 The Challenge of Healthcare for Small Churches
01:34 Option 1: Health Sharing Ministries
02:24 Option 2: Catastrophic Health Insurance
02:57 Option 3: Supplemental Health Plans
03:30 Combining Healthcare Options for Small Churches
04:00 How Insurance for Texans Can Help
04:50 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Thu, 06 Nov 2025 13:00:00 +0000</pubDate>
      <itunes:duration>287</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>How Might a Self-Funded Health Insurance Plan Benefit My Small Church?</title>
      <description><![CDATA[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 traditional insurance, and the role of stop-loss protection in safeguarding against large claims. Real-life challenges faced by churches, such as high premiums for traditional plans, are addressed, and the steps for implementing self-funded plans are outlined. 

Discuss your church's health insurance with our Church insurance team by going to insurancefortexans.com

Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:45 The Challenge of Providing Health Insurance for Small Churches
01:30 Understanding Self-Funded Health Plans
02:25 The Role of Stop-Loss Protection
03:07 Steps to Implementing a Self-Funded Health Plan
03:39 Is a Self-Funded Plan Right for Your Church?
04:05 How Insurance for Texans Can Help
04:52 Conclusion and Next Steps
]]></description>
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      <pubDate>Wed, 05 Nov 2025 13:00:00 +0000</pubDate>
      <itunes:duration>324</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>What Are Inexpensive Ways to Provide Health Insurance for Church Staff?</title>
      <description><![CDATA[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, churches can show their staff that they are valued and protected, even when traditional group health plans are not affordable. 

Start a conversation with our Church insurance team today by visiting insurancefortexans.com 

Grab a copy of our book 'The Promise of Certainty' for deeper understanding of Church insurance at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:27 The Challenge of Health Insurance for Churches
00:58 Creative Solutions for Affordable Health Benefits
01:44 Understanding Supplemental Health Insurance
02:20 Types of Supplemental Insurance
02:22 Accident Insurance Explained
02:54 Critical Illness Insurance Explained
03:28 Indemnity Insurance Explained
04:04 The Importance of Offering Health Benefits
04:16 How Insurance for Texans Can Help
05:28 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Tue, 04 Nov 2025 13:00:00 +0000</pubDate>
      <itunes:duration>358</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>What Are the Benefits of Catastrophic Health Insurance Plans for Texas Churches?</title>
      <description><![CDATA[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 over their healthcare choices, and present lower financial risks with legitimate and regulated policies. He also highlights the importance of stewarding church resources wisely while showing care for staff. 

Start a conversation with our Church insurance team by visiting insurancefortexans.com 

Get a copy of our Church insurance book, 'The Promise of Certainty.' at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:28 Focusing on Health Insurance for Texas Churches
01:19 Understanding Catastrophic Health Insurance
01:57 Benefits of Catastrophic Health Insurance
02:55 Combining Catastrophic Coverage with Direct Primary Care
03:16 Lower Financial Risk with Catastrophic Plans
04:04 Stewardship and Financial Responsibility
04:33 Guidance from Insurance for Texans
05:26 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Mon, 03 Nov 2025 12:59:59 +0000</pubDate>
      <itunes:duration>359</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>Does Full Coverage Church Insurance Exist in Texas?</title>
      <description><![CDATA[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 'almost truths': the illusion of full coverage, the false economy of cheaper insurance, and the deceptive safety of storm coverage. Ron encourages church leaders to seek true wisdom by understanding the complexities of their policies and ensuring they have comprehensive protection.

Allow our Church insurance team to review your policy by going to insurancefortexans.com

Get a copy of our book about Church insurance called The Promise of Certainty at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:30 The Myth of Full Coverage
00:51 Pastor Mark's Story: A Cautionary Tale
02:02 Understanding Church Insurance Liabilities
02:47 The Danger of Cheaper Insurance
03:25 Storm Coverage: What You Need to Know
04:04 Seeking True Wisdom in Insurance
04:44 Conclusion and Next Steps
]]></description>
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      <pubDate>Fri, 31 Oct 2025 12:00:00 +0000</pubDate>
      <itunes:duration>321</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>How Can Our Texas Church Keep More of Our Money for Missions Instead of Going Towards Defending Claims?</title>
      <description><![CDATA[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 outlines three key benefits of such a policy: providing a lawyer, ensuring the lawyer understands church-specific issues, and covering legal fees from the outset. Additionally, he advises on various specific liability coverages churches should consider to safeguard their mission and finances.

Allow us to review your church's policy by going to insurancefortexans.com

Read more about Church insurance by getting a copy of our book, The Promise of Certainty at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:28 The Importance of Proper Church Insurance
00:43 Pastor David's Cautionary Tale
02:01 Understanding Church Liability Policies
02:10 Three Ways Liability Insurance Protects Your Church
03:32 Additional Liability Policies for Churches
04:13 Preparing for Legal Challenges
04:41 Ensuring Your Church is Properly Protected
05:15 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Thu, 30 Oct 2025 11:59:59 +0000</pubDate>
      <itunes:duration>341</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>What Can a Risk Purchasing Group Do For My Church's Property Insurance?</title>
      <description><![CDATA[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 Worth church illustrates the benefits of RPGs, such as accessing A-rated carriers and customized policies, leading to significant savings and stable premiums. While noting that RPGs are typically best for larger churches, Ron encourages church leaders to seek personalized insurance reviews to determine if this option suits their ministry's needs.

You can have our church team review your policy by going to insurancefortexans.com

For more in depth information about Church insurance, get a copy of our book, The Promise of Certainty at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:28 The Challenge of Rising Insurance Premiums
01:20 Understanding Risk Purchasing Groups (RPGs)
02:11 Case Study: Fort Worth Church
02:28 Benefits of Joining an RPG
03:12 Is an RPG Right for Your Church?
03:50 How Insurance for Texans Can Help
04:27 Conclusion and Next Steps
]]></description>
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      <pubDate>Wed, 29 Oct 2025 12:00:00 +0000</pubDate>
      <itunes:duration>331</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Should Your Church's Insurance Respect Reality or Think Wishfully?</title>
      <description><![CDATA[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 thinking. Key points include understanding the unpredictability of Texas weather, the fine print in insurance policies, the total cost of risk, and the wisdom of being prepared before a storm hits. Ron encourages church leaders to review their insurance policies, ensuring they provide real protection. 

Listeners are invited to visit insurancefortexans.com for a policy review or to get a copy of Ron's book about Church insurance, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:31 The Reality of Texas Storms
01:14 Pastor Allen's Story: A Lesson in Preparedness
02:22 Facing the Realities of Church Insurance
04:16 Becoming Reality Respecters
04:54 Conclusion and Next Steps
]]></description>
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      <pubDate>Tue, 28 Oct 2025 11:59:59 +0000</pubDate>
      <itunes:duration>347</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Is a Brand New Church Insurance Program with a Low Premium Safe to  Use?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley of Insurance for Texans addresses the challenges Texas churches face. Skyrocketing insurance premiums and unreliable carriers are two of such challenges. Through a relatable story about a church volunteer named Teddy, Ron outlines the pitfalls of opting for too-good-to-be-true insurance deals and provides three important trust factors to consider for safe and reliable coverage. These include evaluating the insurer's claim payment history, financial stability, and clarity of policy terms. The episode emphasizes the importance of understanding and securing appropriate coverage to protect the church’s mission and resources, offering a way to find reliable insurance solutions tailored for Texas churches.

Start a conversation with the church insurance team at Insurance for Texans by going to insurancefortexans.com

Get a copy of our book The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:30 Teddy's Story: The Insurance Dilemma
02:06 Understanding Trust Factors in Church Insurance
02:50 Ensuring Financial Stability and Commitment
03:22 Clarity in Insurance Policies
04:07 Long-term Protection for Texas Churches
04:42 Conclusion and Next Steps
]]></description>
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      <pubDate>Mon, 27 Oct 2025 12:00:00 +0000</pubDate>
      <itunes:duration>346</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Why Do Church Insurance Agents Ask So Many Questions?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance, host Ron Wadley discusses the importance of customized insurance for Texas churches. He emphasizes the reason why our church insurance agents ask so many questions. We are trying to understand each church's unique risks, rather than offering cookie-cutter policies that might not cover what is important to them. Ron highlights the significance of understanding a church’s mission and leadership structure to provide appropriate coverage. 

Make sure that your church is covered well by heading to our website insurancefortexans.com

For a deeper dive into the world of church insurance, get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:26 The Importance of Asking Questions
01:07 Tailoring Insurance to Your Church's Needs
01:50 Understanding Your Church's Unique Risks
02:39 What to Expect from a Good Insurance Agent
03:45 Conclusion and Next Steps
]]></description>
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      <pubDate>Fri, 24 Oct 2025 12:00:00 +0000</pubDate>
      <itunes:duration>268</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Should you Trust Out of State Impostors with Your Texas  Church Insurance?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance, host Ron Wadley of Insurance for Texans discusses the significance of local expertise in providing church insurance tailored to the unique needs of Texas churches. Highlighting a recent case of content plagiarism by an out-of-state agency, Ron emphasizes the drawbacks of non-local agents who lack understanding of the specific challenges and culture of Texas churches. He outlines three key reasons why local knowledge is important: understanding the unique missions and activities of Texas churches, the value of real conversations over call center scripts, and the importance of effective stewardship of church resources. 

To access at Texas Church Insurance agent, head to our website at insurancefortexans.com

For a deeper understanding of all things church insurance, get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:30 A Case of Content Copying
01:36 The Importance of Local Knowledge
02:12 Real Conversations vs. Call Center Scripts
02:46 The Spirit of Stewardship
04:06 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Thu, 23 Oct 2025 11:59:59 +0000</pubDate>
      <itunes:duration>286</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>What is the Process to Get Church Insurance?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses the importance of church insurance beyond conventional policies. Providing a real-life example from a church near Fort Worth, Ron outlines a three-step process to ensure comprehensive coverage for church properties and ministries. The process includes evaluating current operations, anticipating future changes, and focusing on protecting mission-critical assets. Emphasizing stewardship over fear, Ron stresses the necessity of having insurance that evolves with the church's needs to protect its ministry for future generations.

Allow Insurance for Texans to review your church’s insurance policy by going to insurancefortexans.com

Learn more about church insurance by getting a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:32 Chuck's Church: A Case Study
01:35 The Insurance for Texans Process
01:49 Step 1: Know Where You Are Today
02:20 Step 2: Consider Where You're Headed
02:57 Step 3: Protect What Matters Most
03:22 The Importance of Good Stewardship
03:59 The Promise of Certainty
04:12 Call to Action and Conclusion
]]></description>
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      <pubDate>Wed, 22 Oct 2025 11:59:59 +0000</pubDate>
      <itunes:duration>309</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Will The Daycare at My Church Be Covered by Our Texas Church Insurance Policy?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the important things that church leaders need to consider when leasing space to daycares or other outside groups. Using the example of a church in Midland, Ron highlights key insurance considerations. These considerations include understanding that the church's liability policy does not cover tenants, the necessity of being named as an additional insured on the tenant's policy, and ensuring the tenant has appropriate coverage for their activities. The episode emphasizes the importance of risk management and wise stewardship in protecting church resources.

For a review of your church’s policy go to insurancefortexans.com

To dive deeper into the world of church insurance, get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:33 A Real-Life Scenario: Leasing Space to a Daycare
01:37 Key Insurance Considerations for Churches
02:39 Ensuring Proper Coverage for Daycare Tenants
03:48 Final Thoughts and Resources
]]></description>
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      <pubDate>Tue, 21 Oct 2025 11:59:59 +0000</pubDate>
      <itunes:duration>295</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>How Can Catastrophic Health Insurance Help My Church Staff?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses how Texas churches can protect their staff and budgets with catastrophic health insurance. Using the story of a pastor named Mary, Ron explains how catastrophic health plans offer significant savings on premiums while providing essential coverage for major medical events. He also highlights the flexibility and control these plans offer, the potential for pairing them with direct primary care, and the lower financial risks involved. Ron emphasizes that this insurance approach is about wise stewardship, allowing churches to offer valuable health benefits without straining their budgets. 

To learn more about your church’s health insurance options, visit our website. Insurancefortexans.com

For a clearer understanding of church insurance, get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:22 Mary's Dilemma: High Health Insurance Costs
01:15 Discovering Catastrophic Health Insurance
01:25 Benefits of Catastrophic Health Insurance
01:47 Control Over Healthcare Choices
02:19 Financial Risks and Regulations
02:48 Stewardship and Value of Health Coverage
03:24 Exploring Health Coverage Options with Insurance for Texans
03:59 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Mon, 20 Oct 2025 11:59:59 +0000</pubDate>
      <itunes:duration>267</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Can An Agency Agreement Stop My Church From Contacting Others?</title>
      <description><![CDATA[In this episode of 'Faith Stewardship and Insurance: Protecting Texas Churches,' host Ron Wadley from Insurance for Texans discusses the risks associated with signing exclusive agreements with insurance agencies. Ron shares a real-life example of a church leader, Yesinia, who encountered pressure to sign such an agreement. He explains why these agreements are  unenforceable, limit coverage options, reduce negotiating power, and prioritize the agent's interests over the church's. Instead, Ron advocates for a transparent and trust-based approach to selecting insurance. He emphasizes the importance of comparing options and making informed decisions. 

Have one of our church insurance agents review your church’s policy by going to insurancefortexans.com

For a deeper dive into church insurance, get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com



00:00 Introduction to Faith Stewardship and Insurance
00:31 A Desperate Call for Help
01:12 The Pitfalls of Exclusive Agent Agreements
01:34 Three Reasons to Avoid Signing Exclusive Agreements
02:54 Our Approach at Insurance For Texans
03:30 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Fri, 17 Oct 2025 12:00:00 +0000</pubDate>
      <itunes:duration>276</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Why Shouldn't a Pastor Compare Church Insurance Policies?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans explains why simply comparing two church insurance policies is often a flawed approach. Using a case study of Pastor Steve from Waco, Ron highlights the dangers of apples-to-apples comparisons in church insurance. He outlines three key reasons such comparisons fail: policies can become outdated, carrier options vary, and the total cost of risk extends beyond premiums. Ron emphasizes the importance of understanding a church's unique risks and building tailored coverage to protect the mission of the ministry. 

Allow Insurance for Texans to build a tailored insurance plan for your church by going to insurancefortexans.com

To take a deeper dive into the world of church insurance, get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:38 Pastor Steve's Insurance Dilemma
01:06 The Pitfalls of Apples to Apples Comparisons
01:53 Three Reasons Apples to Apples Comparisons Fail
03:18 Understanding Your Church's Unique Risks
03:53 Conclusion and Next Steps
]]></description>
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      <pubDate>Thu, 16 Oct 2025 11:59:59 +0000</pubDate>
      <itunes:duration>282</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>How Does My Church Insurance Handle Defense of Liability Claims?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley of Insurance for Texans focuses on the importance of understanding how your church insurance liability insurance handles defense in the event of a claim. A case study involving Pastor Jim from San Antonio illustrates how pastoral liability insurance can alleviate financial burdens during legal disputes. The segment emphasizes three key points: the difference between 'duty to defend' and 'duty to reimburse' policies, the impact of defense costs on liability limits, and the provision of defense even for meritless claims. The episode concludes with a reminder to review insurance policies and offers additional resources for deeper understanding.

Review your church’s insurance coverage by going to insurancefortexans.com

For a deeper dive into the nuances of church insurance, get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:34 Pastor Jim's Legal Challenge
01:36 Understanding Church Liability Insurance
02:02 Key Points on Defense Coverage
03:23 Real-World Applications of Defense Mechanics
03:58 How to Review Your Church's Policy
04:11 Resources for Church Leaders
04:34 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Wed, 15 Oct 2025 12:00:00 +0000</pubDate>
      <itunes:duration>304</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Why Did This Texas Pastor Experience Peace During a Storm?</title>
      <description><![CDATA[In this episode of 'Faith Stewardship and Insurance: Protecting Texas Churches,' host Ron Wadley discusses the importance of proper insurance planning for churches. To illustrate his point, he uses the story of Pastor Rick, whose small-town church was devastated by a tornado. Key lessons from Rick's experience include the peace that comes from certainty, the necessity of choosing the right insurance policy before disaster strikes, and the confidence that the right protection provides. Ron emphasizes the importance of tailored insurance policies for churches and shares personal anecdotes that underline the foundational principle of his work at Insurance for Texans.

For a review of your church's insurance policy, go to insurancefortexans.com

For a deeper dive into Church insurance, get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:33 Pastor Rick's Story: A Tornado's Aftermath
01:53 Lessons from Rick's Experience
03:29 The Importance of Proper Church Insurance
04:37 Personal Connection: Ron's Story
05:18 Conclusion and Call to Action
]]></description>
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      <pubDate>Tue, 14 Oct 2025 11:59:59 +0000</pubDate>
      <itunes:duration>359</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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    <item>
      <title>Why is it so Important to Have Hail Insurance for Churches in Texas?</title>
      <description><![CDATA[In this episode of Faith, Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the importance of hail insurance coverage for churches in Texas. He explains the key areas of coverage which include property damage, contents and equipment coverage, and water damage coverage. The episode highlights the need for church leaders to review their policies, understand fine print details such as deductibles and sublimits, and consider options like buying down high deductibles. Through a case study involving a church in Amarillo, Ron illustrates the value of strong hail protection and encourages churches to make sure that they are adequately covered.

For a review of your policy, go to insurancefortexans.com

To dig deeper into the nuances of church insurance in Texas, get a copy of our book The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:31 The Impact of Hailstorms on Texas Churches
01:09 Understanding Hail Coverage in Property Insurance
01:36 Essential Areas of Hail Coverage
03:24 Additional Considerations for Hail Coverage
04:20 Conclusion and Next Steps
]]></description>
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      <itunes:duration>323</itunes:duration>
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      <title>Navigating Property Insurance for Texas Churches</title>
      <description><![CDATA[In this episode of 'Faith Stewardship and Insurance: Protecting Texas Churches,' host Ron Wadley from Insurance for Texans discusses the challenges Texas churches face with rising property insurance premiums. Highlighting a real-life scenario involving a pastor near Waco, Ron explains the various factors that influence insurance costs. He emphasizes the importance of comprehensive coverage that protects the people, ministries, and missions. He helps you to understand how to have a balanced approach to managing insurance and stewardship. The episode also suggests that churches evaluate key aspects of their property like size, location, age, and total insurable value. 

To review your church’s property coverage, visit our website at insurancefortexans.com

For a more in depth look at church insurance, get a copy of our book The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:31 Kevin's Dilemma: Rising Insurance Premiums
01:10 Understanding Property Insurance for Texas Churches
01:59 Key Factors in Evaluating Property Coverage
03:01 Challenges and Solutions for Texas Churches
03:49 Custom Insurance Solutions for Churches
04:19 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Fri, 10 Oct 2025 13:00:00 +0000</pubDate>
      <itunes:duration>288</itunes:duration>
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      <title>Securing Your Church Event With the Right Coverage</title>
      <description><![CDATA[In this episode of Faith, Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the importance of special event insurance for church gatherings. He addresses a query from Theresa in Abilene about whether general liability coverage protects churches during offsite community events. Ron explains the risks associated with these events, and emphasizes that general liability policies often exclude large special events. He introduces Special Event Insurance as an essential, affordable solution to cover these risks and encourages church leaders to consult with an experienced church insurance agent. Listeners are guided on how to ensure their events are financially safeguarded, highlighting the ease of obtaining such coverage. Ron concludes by reminding church leaders that protecting their ministry extends beyond buildings to safeguarding community moments.

To obtain an church event insurance policy, visit insurancefortexans.com

Go deeper and learn more about church insurance by getting a copy of our book, The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:35 Listener Question: Event Coverage
01:49 Understanding Special Event Insurance
02:42 Ensuring Proper Coverage for Church Events
03:44 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Thu, 09 Oct 2025 13:00:00 +0000</pubDate>
      <itunes:duration>252</itunes:duration>
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      <title>Protecting Your Church from Cyber Attacks: Understanding Cyber Liability Insurance</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance, host Ron Wadley from Insurance for Texans discusses the increasing threat of cyber attacks on smaller organizations, including churches. He highlights the importance of cyber liability insurance and explains its benefits. Those benefits include covering data breach costs, ransomware attack recovery, reputation management, and third-party vendor protection. In addition, the episode emphasizes the need for churches to implement preventive measures like staff training and secure tools, while also advocating for the inclusion of cyber liability coverage to safeguard their ministry amidst the rising cyber threats.

For a review of your church’s policy, visit insurancefortexans.com

To get a deeper look at church insurance, get a copy of our book The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:29 The Rising Threat of Cyber Attacks on Churches
01:47 The Importance of Cyber Liability Insurance
02:35 Preventative Measures Against Cyber Attacks
02:59 Conclusion and Next Steps
]]></description>
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      <pubDate>Wed, 08 Oct 2025 12:59:59 +0000</pubDate>
      <itunes:duration>235</itunes:duration>
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      <title>Protecting Churches with Abuse and Molestation Coverage</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the critical importance of abuse and molestation coverage for churches. He explains how typical general liability policies often exclude these claims and emphasizes the severe impact such allegations can have on a church's trust, finances, and reputation. Using a real-life example, Ron highlights how proper coverage can provide peace of mind and financial protection, enabling church leaders to focus on their mission. Listeners are encouraged to review their insurance policies and consider obtaining abuse and molestation coverage to safeguard their congregation and ministry.

For a review of your church’s insurance policy, go to insurancefortexans.com

For a more in depth look at church insurance, get a copy of our book, The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:31 A Real-Life Scenario: The Importance of Coverage
01:46 Understanding Abuse and Molestation Coverage
02:32 The Broader Impact of Abuse Allegations
03:26 Ensuring Your Church is Protected
03:53 Conclusion and Next Steps
]]></description>
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      <pubDate>Tue, 07 Oct 2025 13:00:00 +0000</pubDate>
      <itunes:duration>263</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>Protecting Your Ministry: The Importance of Pastoral Liability Insurance</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the critical role of pastoral liability insurance for church leaders. Highlighting a case from Waco, the episode explains how general liability insurance does not cover the risks associated with pastoral counseling. Ron emphasizes the need for specialized pastoral liability coverage. Wadley explains the protections offered by this insurance, its importance in safeguarding against financial and reputational damage, and the necessity of confirming specific coverages like sexual misconduct. Listeners are encouraged to evaluate their current insurance policies and seek additional resources for comprehensive protection.

For a review of your policy by our Texas Church Insurance experts, go to insurancefortexans.com

For a deeper dive into church insurance, get a copy of our book, The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:32 Case Study: Pastor Steven's Legal Challenge
01:08 Understanding Pastoral Liability Insurance
02:19 Key Distinctions and Additional Coverage
03:07 Final Thoughts and Resources
]]></description>
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      <pubDate>Mon, 06 Oct 2025 12:59:59 +0000</pubDate>
      <itunes:duration>237</itunes:duration>
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      <title>Is a General Liability Insurance Policy Necessary for my Texas Church?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance, host Ron Wadley from Insurance for Texans provides insights into the importance of general liability insurance for churches. Through the example of Pastor Larry in Odessa, Ron illustrates the financial pressures churches face and why cutting insurance coverage is not a viable option. He explains the various scenarios where general liability insurance is essential, including slip-and-fall incidents, property damage during church activities, and personal injury claims. He also distinguishes what general liability does and does not cover. Ron emphasizes the need for churches to review their insurance policies to ensure proper coverage, reminding listeners that safeguarding their ministry is about protecting the people and mission God has entrusted to them.

For a review of your church’s insurance policy, visit insurancefortexans.com

For a more in depth look at church insurance, get a copy of our book The Promise of Certainty at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:35 The Importance of General Liability Insurance
02:03 Coverage Details: What General Liability Insurance Includes
02:26 What General Liability Insurance Doesn't Cover
03:06 Combining General Liability with Property Coverage
03:29 Review and Strengthen Your Coverage
03:52 Conclusion: Safeguarding Your Church's Mission
]]></description>
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      <pubDate>Fri, 03 Oct 2025 12:59:59 +0000</pubDate>
      <itunes:duration>261</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>Does My Texas Church Need Liability Insurance?</title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance, host Ron Wadley offers essential insights on protecting Texas churches through liability insurance coverage. The episode addresses common concerns such as budget constraints, and explains various types of coverage.  These include general liability, pastoral liability, directors and officers liability, sexual abuse liability, cyber liability, employment practices liability, workers' compensation, and safety response team liability. 

Ron emphasizes that every church's insurance needs are unique. He advises consulting with specialized agents to tailor a suitable plan. Visit insurancefortexans.com to schedule a review of your policy, to make sure that you have the right kind of liability insurance in place. For a deeper dive into church insurance, get a copy of our book The Promise of Certainty at thepromiseofcertainty.com

00:00 Introduction to Faith Stewardship and Insurance
00:29 Pastor Jonathan's Insurance Dilemma
01:17 Understanding Liability Insurance
01:41 Types of Liability Coverage
03:14 Tailoring Insurance to Your Church's Needs
03:34 Getting Professional Help
04:02 Conclusion and Final Thoughts
]]></description>
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      <pubDate>Thu, 02 Oct 2025 12:59:59 +0000</pubDate>
      <itunes:duration>275</itunes:duration>
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      <title>What Every Texas Church Needs to Know About Property Insurance</title>
      <description><![CDATA[In this episode of 'Faith Stewardship and Insurance: Protecting Texas Churches,' host Ron Wadley discusses the important aspects of property insurance that pastors and church leaders in Texas need to understand. Ron highlights a real-life scenario involving Pastor Mark's church, which faced unexpected financial challenges after a storm. This was due to undervalued property and high deductibles. The episode provides four key tips: ensuring all buildings are listed, understanding personal property limits, knowing the differences between replacement cost and actual cash value, and checking wind and hail deductibles. 

Ron emphasizes the importance of working with a church insurance specialist to avoid gaps in coverage and protect the mission. Listeners are invited to visit insurancefortexans.com
for a coverage review and to explore Ron's book, 'The Promise of Certainty,' for deeper insights. Get your copy at thepromiseofcertainty.com


00:00 Introduction to Faith Stewardship and Insurance
00:32 A Storm Hits Pastor Mark's Church
00:55 The Shocking Insurance Claim Outcome
01:27 Understanding Property Insurance for Churches
01:52 Four Key Insurance Tips for Churches
02:56 Ensuring Comprehensive Coverage
03:32 Conclusion and Next Steps
]]></description>
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      <pubDate>Wed, 01 Oct 2025 13:00:00 +0000</pubDate>
      <itunes:duration>263</itunes:duration>
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      <title>The Road Map for Protecting Your Church </title>
      <description><![CDATA[In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans offers a roadmap for church leaders to navigate the complexities of insurance. The episode outlines major coverage areas essential for churches, including property coverage, general liability, pastoral liability, sexual misconduct liability, and cyber liability. It also highlights the top five claims faced by Texas churches and emphasizes the importance of understanding risks and making informed decisions. Listeners are encouraged to view each episode as a practical tool to help protect their church's future.

00:00 Introduction to Faith Stewardship and Insurance
00:34 The Importance of a Roadmap
01:45 Key Coverage Areas for Texas Churches
03:26 Practical Tools for Church Leaders
04:01 Conclusion and Additional Resources
]]></description>
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      <pubDate>Tue, 30 Sep 2025 12:59:59 +0000</pubDate>
      <itunes:duration>270</itunes:duration>
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      <title>Navigating Church Insurance: Protecting Your Ministry in Texas</title>
      <description><![CDATA[In the inaugural episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the complexities of church insurance. Tailored for pastors and church leaders, this episode highlights the real issues churches face, things such as rising premiums and inadequate coverage. Using a compelling story of a small West Texas church, Ron emphasizes the importance of understanding insurance. It will help you to make wise stewardship decisions. In future episodes, Ron will break down complicated insurance topics in plain language. The episode underscores that protecting a church isn't just about policies but about safeguarding the ministry entrusted to church leaders.

00:00 Introduction to Faith Stewardship and Insurance
00:37 A Pastor's Story: The Real Impact of Insurance Issues
01:15 The Rising Costs and Challenges for Texas Churches
01:40 Navigating the Insurance Maze for Small Churches
02:01 What to Expect in Future Episodes
03:17 Final Thoughts and Resources


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      <pubDate>Mon, 29 Sep 2025 13:00:00 +0000</pubDate>
      <itunes:duration>249</itunes:duration>
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