Texas Church & Nonprofit Insurance: Proven Ways to Cut Costs and Improve Coverage

Nonprofit and church insurance costs have exploded in Texas, but there are concrete steps you can take to protect your ministry and become more attractive to insurance carriers. In this video, Jeff Shropshire from Shropshire Insurance of Texas walks nonprofits, churches, and private schools through practical, real‑world strategies to improve coverage, control premiums, and strengthen safety for the people you serve.

Video description
In this episode, Jeff breaks down what Texas nonprofits and churches can start doing today to stand out in a tough property and casualty insurance market. You’ll learn how to better manage your vehicles, your premises, your child safety procedures, and your documentation so insurance carriers see you as a safer, preferred account instead of a risky one.

What you’ll learn in this video:

How to make your nonprofit or church more competitive to insurance carriers through simple risk management steps and better communication with your agent.

Why strong commercial auto practices (maintenance, fire extinguishers, first aid kits, MVRs, and background checks) matter so much when employees and volunteers transport kids and adults.

The importance of “hired and non‑owned auto” coverage when volunteers drive their own vehicles for church, school, or nonprofit activities.

Best‑practice child safety procedures: background checks, two‑adult rules, diaper‑changing and restroom protocols, check‑in/check‑out systems, and a six‑month waiting period before new members serve in children’s ministries.

How regular facility walkthroughs, playground inspections, and proactive repairs help reduce liability and property claims.

Why proactive maintenance on roofs, plumbing, electrical, and HVAC is critical for getting better property insurance pricing and coverage.

When it’s smarter to pay smaller property issues out of pocket and reserve claims for true disasters.

Why good board structure, term limits, and clear bylaws matter for directors & officers liability.

How simple documentation habits today can save future leaders thousands in premiums and countless hours chasing old records.

If you’re on a church board, lead a nonprofit, manage a private school, or just want to be a better steward of your organization’s resources, this video will give you specific, actionable ideas you can implement immediately.

Suggested timestamps
00:00 – Intro: Why insurance is so hard for nonprofits and churches in Texas
02:00 – Commercial auto: maintenance, fire extinguishers, first aid kits
04:00 – Employees driving: MVRs, background checks, documentation
05:00 – Volunteers driving: hired & non‑owned auto, MVRs, minimum limits
07:00 – Two‑adult rule in vehicles and protecting volunteers
08:30 – Premises liability: walkthroughs, inspections, fixing hazards
10:30 – Child safety: check‑in/check‑out, diaper changing, room safety
12:30 – Restroom procedures and preventing false allegations
13:30 – Six‑month waiting period for children’s ministry volunteers
16:00 – Handbooks for employees and volunteers
17:00 – Board structure and directors & officers (D&O) liability
18:30 – Property insurance: premiums, deductibles, market conditions
20:00 – Maintenance: plumbing, electrical, HVAC, roof inspections
22:00 – When to avoid filing small property claims
24:00 – Documentation systems that outlast rotating boards
27:30 – Final encouragement for nonprofits, churches, and private schools

Call to action
Need a fresh set of eyes on your nonprofit, church, or private school insurance program?
📞 Contact Shropshire Insurance of Texas for a second opinion or coverage review. www.shropshireinsurance.com
👉 Share this video with your board, staff, and key volunteers so everyone understands their role in protecting your people, property, and ministries.

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⚠️ Disclaimer: This conversation is for general information and entertainment only. It is not legal, tax, or insurance advice and does not change or interpret any specific policy. Always review your own policy and consult directly with your licensed insurance professional, attorney, or accountant about your particular situation.