What Does it Mean if My Texas Church Insurance Company is Non-Admitted?

In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley of Insurance for Texans discusses an important but often confusing topic for church leaders: the difference between admitted and non-admitted insurance carriers in Texas. Using the case of Charles, a church leader from Frisco, Ron explains that admitted insurance carriers are regulated by the Texas Department of Insurance and come with state-backed guaranty fund protection. On the other hand, non-admitted carriers offer more flexibility and may be better suited for older buildings or high-risk weather areas. The key takeaway is that financial strength and suitability to specific church needs matter more than the regulatory label. Ron advises church leaders to seek expert guidance to make informed decisions and to focus on protecting what truly matters to their church. Contact our church insurance team at insurancefortexans.com Find out more about church insurance in Texas by reading our book, The Promise of Certainty. Get your copy at thepromiseofcertainty.com 00:00 Introduction to Faith Stewardship and Insurance 00:33 Meet Charles: A Case Study 01:14 Understanding Admitted Insurance 02:08 Exploring Non-Admitted Insurance 03:42 Making the Right Choice for Your Church 04:43 Guidance and Resources 05:25 Conclusion and Final Thoughts