KingsCover Insurances, a specialty agency serving churches and ministries, has rebranded as Dominion First Insurance Services LLC. Ownership, leadership, staffing and existing client policies are unaffected. The same team continues to manage the book.
Dominion First retains its position as the Agency Partner of Texas Baptists and the largest agency by book of business in the KingsCover Underwriters program, a Risk Theory company. That scale within the program gives it a premier partner designation that, according to the agency, translates into pricing, terms and claims-handling advantages other firms in the church and ministry niche cannot match.
The agency was launched on November 1, 2025, by Craig Christina, associate executive director for Texas Baptists, in partnership with Risk Theory. The Baptist General Convention of Texas created the program specifically to give member churches access to affordable, A-rated coverage after years of rising premiums and shrinking market appetite for ministry risk. Since launch it has grown to more than 400 church and ministry clients, expanded licensing across 16 states, and claims to have delivered more than $3 million in estimated premium savings - a figure that comes from the agency itself rather than an independent audit, but is specific enough to signal meaningful growth velocity for a ten-month-old operation.
Dominion First operates exclusively in the church and ministry space. Its class list spans property and general liability, crime, kidnap and ransom, employment practices liability, directors and officers, and abuse and molestation coverage, alongside employee benefits liability, workers' compensation, hired and non-owned auto, cyber liability, excess coverage and mission travel protection.
As an independent agency it also maintains market access beyond the KingsCover Underwriters program, allowing it to place risks that fall outside that program's appetite.
The church and ministry insurance market has narrowed over the past decade as abuse and molestation claims have grown more severe and more frequently litigated. Carriers writing this space increasingly evaluate congregations on documented practices rather than treating churches as a uniform risk category: background screening for staff and volunteers working with children, two-adult supervision rules in youth ministry, formal check-in and check-out procedures, and functioning governance structures with clear bylaws and financial controls all factor directly into whether a church can secure coverage and at what price.
That underwriting specificity is why program placement carries genuine value here beyond a simple pricing pitch. A program built around church risk, with dedicated appetite and claims-handling scale, can offer access to capacity that generalist markets are withdrawing from - particularly on abuse and molestation coverage, where excess-layer exclusions and sublimits are appearing on primary policies across the broader market.
For independent agents with church, ministry or nonprofit clients, Dominion First's premier partner status within KingsCover Underwriters is worth knowing as a referral or co-placement option for accounts within its appetite. Agents whose own carrier relationships have grown more restrictive on ministry risk, particularly around youth-facing programs, may find it useful to understand what documentation and risk-management practices this program underwrites toward. Those same standards are likely to matter regardless of which agency or program ultimately places the coverage.
US MGAs wrote roughly $102.6 billion in direct premium in 2025, up approximately 12% on the prior year, with growth in the MGA segment consistently outpacing the wider property-casualty market - according to WSIA data - as carriers lean on specialized underwriting expertise in niches like church and ministry risk where delegated authority and vertical knowledge carry a genuine pricing and appetite edge over generalist markets.
