Who Are the Good Church Insurance Companies?

Host Ron Wadley of Insurance for Texans addresses a finance committee’s concerns about unfamiliar insurance carriers, using Phil from an Austin church as an example. After a 2024 non-renewal forced a survival policy during a hard Texas market, Phil wants to take a new look at his church’s insurance. Now in 2026, as the market softens and capacity returns, Ron explains that strong options continue to be the quiet giants like Promont, USLI, and Philadelphia. They are A-rated, stable carriers that market less and work through independent agents. He cautions against unusually low quotes that may remove key protections such as ordinance or law coverage or add roof depreciation terms. Ron clarifies that A-rated surplus lines carriers like Lloyd’s of London or Scottsdale can be flexible for Texas weather risk. He also warns that member-owned programs may include managed repair clauses that restrict contractor choice. Connect with our church insurance team at insurancefortexans.com Get a free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:26 Phil’s Renewal Panic 01:11 2026 Market Shift 01:38 Quiet Giant Carriers 02:21 Beware Cheap Quotes 03:01 Surplus Lines Explained 03:37 Member Owned Program Traps 04:03 Get Expert Help 04:42 Final Takeaway