BGCT board approves church insurance expansion
The Baptist General Convention of Texas Executive Board approved plans to expand its church property and liability insurance program beyond Texas Baptist churches.
BGCT Associate Executive Director Craig Christina announced a “soft launch” of the insurance program in October for 241 churches that participated in an initial feasibility study when Texas Baptists began exploring creation of such a program.
Based on the business principle of “strength through volume,” he anticipates the insurance program will be opened to all churches affiliated with the BGCT or the Southern Baptists of Texas Convention by early November.
Within several months, he said, it will expand beyond Texas to “like-minded churches from other denominations and nondenominational networks.” The program will follow the same doctrinal guidelines for inclusion Guidestone Financial Services follows.
Greater volume will provide the needed “strength, value and sustainability” for the insurance program, Christina said.
While it will make insurance as available and affordable as possible for all churches, churches that give in an undesignated manner to the BGCT will qualify for additional “deeper discounts” of 1 percent to 5 percent, Christina said.
‘Committed to keeping costs low’
“This is your church’s insurance program,” he emphasized. “We are committed to keeping costs low. We are committed to maintaining low premiums.”
After major insurance carriers left the Texas market, many churches either were unable to renew their policies or had to absorb steep premium and deductible increases.
In response to previous action by the Executive Board last September and a motion approved at the BGCT annual meeting last November, the board in February authorized investing up to $12 million from undesignated investment funds in an insurance program to fund the necessary insurance reserve.
When the BGCT committed to make insurance affordable for churches, legal experts advised Texas Baptists to create the two nonprofit entities separate from the BGCT to provide “layers of separation” to protect the state convention.
Initially, Texas Baptist leaders anticipated churches contracting with Texas Baptists Risk Management to receive coverage through the Texas Baptists Indemnity Program.
However, Christina reported he and other leaders discovered that, due to differences in state rules and regulations, churches would be served best by a captive insurance company based in South Carolina. As they looked for partners, they also learned about Artex, a national risk solutions provider.
Establish Covenant Solutions
So, acting on authority granted by messengers to Texas Baptists’ 2024 annual meeting, BGCT executive leaders have taken steps to establish a South Carolina-based captive insurance company, Covenant Solutions.
Covenant Solutions, in turn, will work directly with a new national insurance company, King’s Cover, that will provide underwriting for churches.
The board authorized the Texas Baptists Indemnity Program board of directors to consider transferring up to $12 million to capitalize Covenant Solutions’ insurance reserve.
Texas Baptists’ Executive Board elected Christina as president, GC2 Network Director Sergio Ramos as vice president and BGCT Chief Financial Officer Ward Hayes as secretary-treasurer.
The BGCT Executive Board also elected the board of directors for Covenant Solutions: Christina as chair, Ramos as vice chair and Hayes as secretary, along with Dennis Young, pastor of Missouri City Baptist Church; David Bowman, executive director of Tarrant Baptist Association; and Ann West of Artex as a South Carolina representative.
Budget recommended for 2026
The Executive Board voted to recommend a $37.5 million total Texas budget for 2026, an increase from the $36.7 million budget adopted for 2025. The proposed budget will be presented for approval to messengers at the BGCT annual meeting, Nov. 16-18 in Abilene.
The total budget includes a $36 million net Texas Baptist budget, up from the $35.16 million in the 2025 budget. It depends on more than $28 million in Texas Cooperative Program giving from churches and an anticipated $7.98 million from investment income. It also projects $1.48 million in additional revenue from conference and booth fees and product sales.
An anticipated $1.1 million in worldwide missions giving will allocate $850,000 to international missions and partnerships and $250,000 to North American missions and partnerships.
The Executive Board also elected officers for the next year: Suzanne Liner of First Baptist Church in Lubbock as chair, and Keith Warren, executive pastor of North Side Baptist Church in Weatherford as vice chair.
Executive Board Disciplinary Committee created
At the recommendation of the BGCT Sexual Abuse Task Force Implementation Committee, the board approved a policy creating an Executive Board Disciplinary Committee.
The committee will address any allegations that an Executive Board member has violated the BGCT code of ethics. Members of the disciplinary committee are the board’s chair and vice chair, along with the BGCT associate executive director.
The policy establishes an appellate process and names an appellate committee consisting of all members of the disciplinary committee along with the BGCT president, first vice president and second vice president.
The board also approved revisions to policies related to the Family Medical Leave Act, background investigations and harassment.
For the second consecutive meeting, the board went into a brief executive session.
In other business, the Executive Board approved enlisting the Batts Morrison Wales & Lee accounting firm to conduct the independent financial audit for 2025.
Filling vacancies
The board also filled board, council and commission vacancies by electing:
- Charles Whiteside of First Baptist Church in Kilgore to the East Texas Baptist University board of trustees.
- Maggie Pepper of First Baptist Church in San Angelo, Corbin Couch of First Baptist Church in Burleson, Jill Larson of The Heights Baptist Church in Richardson, Jennifer Clements of Park Cities Baptist Church in Dallas, Deborah Woods of First Baptist Church in Farmers Branch and Heather Fairman of First Baptist Church in Anna to the Institutions Audit Council.
- Sylvia Villareal of Cliff Temple Baptist Church in Dallas, Fernando Rojas of Azle Avenue Baptist Church in Fort Worth and Jeremy Johnston of First Baptist Church in Hallsville to the Hispanic Education Council.
- Sharon Darwin of First Baptist Church in Dallas, David Mahfouz of First Baptist Church in Warren and Betty Booth of First Baptist Church in Tyler to the Baptist History and Distinctives Council.
- Paul Kim of Forest Community Church in Plano, Jerry Ramirez of First Baptist Church in Lubbock, Bill Brian of First Baptist Church in Amarillo, Bill Bevill of First Baptist Church in Corpus Christi, D.M. Edwards of First Baptist Church in Tyler, David Paul of Sugar Land Baptist Church in Sugar Land, Charles Whiteside of First Baptist Church in Kilgore and Carla Robinson of Park Cities Baptist Church in Dallas to the Texas Baptist Missions Foundation Council.
- Reagan Miller of Lakeshore Drive Baptist Church in Hudson Oaks and David Goddard of First Baptist Church in Temple to the GC2 Press Advisory Council.
- Austin Lambert of First Baptist Church in Sherman and John Wheat of Trinity Baptist Church in Kerrville to the Baptist Student Ministry Council.
- Steve Bezner of Houston Northwest Baptist Church and Kevin Lintz of University Baptist Church in Fort Worth to the Christian Life Commission.
- Jim Browning of First Baptist Church in Floresville; Amy Hall of Madison Heights Baptist Church in Madison Heights, Va.; Ken May of First Baptist Church in Stephenville; Ben Sprouse of Memorial Baptist Church in Staunton, Va.; and David Cross of Westgate Memorial Baptist Church in Beaumont to the Chaplaincy Endorsement Council.
- Rolando Aguirre of Park Cities Baptist Church in Dallas to the Affinity Ministries Council.
- Charlie Nassar of Top Rail Cowboy Church in Greenville and Chris Maddux of the Cowboy Church of Ellis County in Waxahachie to the Western Heritage Council.
- Joseph Adams of First Baptist Church in Mount Pleasant, René Maciel of First Woodway Baptist Church in Waco and Wisdom Asita of First African Baptist Church in Fort Worth to the Missions Funding Council.








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