Texas Baptists Indemnity Program open for applications, gives churches ability to focus on GC2 calling

On Nov. 1, Texas Baptists launched the Texas Baptists Indemnity Program (TBIP), a captive insurance program that offers coverages for qualifying churches, including property insurance, general liability, professional liability insurance, directors and officers liability insurance, sexual abuse coverages, cyber liability insurance, auto insurance and workers’ compensation.

Texas Baptists Associate Executive Director Craig Christina shared during the Monday morning business and worship session of the 2025 Texas Baptists Annual Meeting that the TBIP Board has partnered with an insurance company called KingsCover to provide insurance for churches. He announced that applications for the program are open.

TBIP frees churches to focus on and “fulfill our GC2 calling”

Prior to TBIP’s November launch, 241 churches completed a feasibility study and received early applications for an insurance policy through the program. Four of those churches were Highland Baptist Church in Lubbock, Mount Carmel Baptist Church in Whitehouse, Alliance Baptist Church in Lubbock and Trinity Baptist Church in Sweetwater. 

Adam Pardue, pastor of Highland Baptist Church, said it was “a huge relief” to switch to coverage with TBIP and KingsCover because the new premium has allowed the church to “give more of our attention to ministry.” 

“When we made the switch, we moved from partial coverage to full coverage, and our premium still went down 35%. The difference in coverage value was millions!” said Pardue. “Because the premium is lower, we have more room in our budget to pour into missions, discipleship, ministries and personnel that matter most to us.”

Charles Hill, pastor of Mount Carmel Baptist Church, echoed this. He said having insurance provided through TBIP “brings into focus a continued cooperation to fulfill our GC2 calling.” 

“The 42% reduction in premium costs has freed up our church budget, enabling a more sustainable way to cover the ever-growing costs of doing ministry. Thank you, Texas Baptists!” said Hill.

Jesse Rincones, pastor of Alliance Baptist Church, said having increased insurance coverage through TBIP gives him and his staff “peace of mind and confidence as we plan for the future” and “reinforces a sense of partnership and shared purpose” with Texas Baptists.

“[TBIP] represents a pioneering step on behalf of Texas Baptists, one that delivers real, tangible benefits to local churches. In our case at Alliance Church, our premium dropped from $32,000 to $24,000, a 25% savings, while our coverage actually increased. That combination of stewardship, innovation and care for churches is remarkable,” said Rincones.

J.T. Thornton, pastor of Trinity Baptist Church, said the savings from switching his church’s insurance to KingsCover “made it possible to budget for a much-needed” staff member.

"KingsCover wasn't just a chance to switch insurance companies — they gave us better coverage than our previous carrier and substantially lowered our premium. Those savings made it possible to budget for a much-needed bi-vocational adult pastor,” said Thornton.

Board-approved program launched to help churches

Executive Board Directors voted in February of 2025 to launch a captive insurance program to provide affordable solutions for churches facing rising premiums and dropped coverages. 

At its May meeting, Christina reported that some 900 churches had already expressed interest in the program. 

Christina introduced KingsCover to Board Directors at the September meeting and hosted an information session for churches during the 2025 Texas Baptists Annual Meeting in Abilene on Nov. 18, following the program’s Nov. 1 launch.

To fill out an insurance quote request form for your church, visit kingscover.com.