Episodes

  • How to Find the Promise of Certainty

    How to Find the Promise of Certainty
    May 1 2026
    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
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    6 mins
  • The Ultimate Act of Stewardship

    The Ultimate Act of Stewardship
    Apr 30 2026
    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
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    4 mins
  • Protection for When the Waters Rise

    Protection for When the Waters Rise
    Apr 29 2026
    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
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    3 mins
  • Workers' Compensation for Texas Church Employees

    Workers' Compensation for Texas Church Employees
    Apr 28 2026
    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
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    3 mins
  • Cover Church Events and Trips

    Cover Church Events and Trips
    Apr 27 2026
    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
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    5 mins
  • Protecting Churches in a Digital World: Cyber and Media Liability Insurance

    Protecting Churches in a Digital World: Cyber and Media Liability Insurance
    Apr 24 2026
    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
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    5 mins
  • Church Insurance to Protect Children and Volunteers

    Church Insurance to Protect Children and Volunteers
    Apr 23 2026
    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
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    5 mins
  • Church General Liability and Pastoral Liability Insurance

    Church General Liability and Pastoral Liability Insurance
    Apr 22 2026
    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
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    5 mins