Church ministries face critical decisions when it comes to stewarding their property, people, and reputation, especially through proper insurance coverage and risk management. Jason Petty, a Producer for Lightwell Insurance Advisors in Louisiana, highlights the importance of reviewing insurance policies beyond just saving money -- focusing on identifying gaps, understanding claims-made vs. occurrence coverages, and communicating ministry activities to advisors. By pairing a thorough risk management plan with the right coverage, ministries can avoid devastating surprises and honor their calling with wisdom and discernment.

With a focus on the balance between effective operations and mission-driven ministry, this episode features insights from Kate Wood, the Director of Operations and Community Life at Resurrection Church. Drawing on her legal background and experience in risk management, Kate Wood shares strategies for building robust systems, fostering volunteer excellence, and creating safe environments that serve both the heart and the business of church life. The conversation highlights practical innovations, such as leveraging technology and community assets, while underscoring the foundational importance of safety, security, and thoughtful leadership in ministry settings.

Catastrophic losses -- those events causing widespread, multimillion-dollar damage -- are becoming more frequent and varied, impacting ministries regardless of their direct involvement in a disaster. Zach Mize, a senior agent and partner with Lightwell Insurance Advisors with nearly two decades of experience insuring churches, explores how ministries can identify their most significant risks, develop proactive insurance strategies, and ensure organizational continuity even when disasters happen. The episode aims to empower churches and nonprofits with practical steps and crucial coverage insights to weather both expected and unexpected storms, underscoring the importance of tailored planning and strong local agency relationships.