KingsCover Rebrands to Dominion First for Churches and Ministries
KingsCover Insurances has rebranded as Dominion First Insurance Services LLC, maintaining its focus on churches and ministries.
Retaining its ownership and leadership structure, Dominion First continues to operate seamlessly, serving as the Agency Partner of Texas Baptists. This partnership allows the agency to leverage its position as the largest book of business within the KingsCover Underwriters program from Risk Theory, ensuring competitive pricing and efficient claims handling. The rebrand reinforces its commitment to providing specialized insurance solutions for religious institutions.
Strategic Rebranding with Unchanged Operations
The decision to rebrand KingsCover as Dominion First arises from a need to align with the evolving needs of its client base while maintaining operational consistency. Founded on November 1, 2025, by Craig Christina, the agency was initiated in collaboration with Risk Theory to create a program specifically designed to address the insurance needs of the Baptist General Convention of Texas members. Its approach attempted to solve the challenge of rising premiums and decreased insurer interest in ministry risks.
Embracing Specialized Coverage
Dominion First is dedicated to serving the church and ministry sector exclusively. It offers a comprehensive suite of specialized coverages, including property, general liability, kidnap and ransom, and employment practices liability. The agency's independent status allows it to access a wider insurance market, beyond the standard offerings of KingsCover Underwriters. This flexibility is crucial for placing risks that fall outside standard program criteria.
Adapting to a Challenging Market
The church and ministry insurance market faces unique pressures, notably a rise in abuse and molestation claims. This environment has led insurers to place more emphasis on preventive practices. To adapt, Dominion First has focused on refining its underwriting and claims-handling capabilities, ensuring they can meet the stringent requirements of insurers and clients alike.
| Year | U.S. MGAs Direct Premium | Growth Rate |
|---|---|---|
| 2024 | $91.5 billion | 10% |
| 2025 | $102.6 billion | 12% |
Leveraging Expertise for a Competitive Edge
As the WSIA reports, Managing General Agents (MGAs) have seen significant growth, with the U.S. MGAs writing approximately $102.6 billion in premiums in 2025—a 12% increase over the previous year. This trend highlights the importance of specialized underwriting expertise, especially in niche sectors like church and ministry risk. Dominion First's focus on targeted risk management practices offers agents a reliable channel for securing coverage in a challenging market landscape.
For insurance professionals working within this specialty, staying informed of tailored policies, underwriting criteria, and effective risk management protocols remains imperative. Dominion First’s comprehensive understanding of church-specific risks makes it a formidable ally for agents navigating increasingly restrictive industry conditions.