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.

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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