The Baptist Insurance Co PLC

baptist logo

As the name suggests, this insurer specialises in providing cover for churches and church buildings. This it has been doing for more than a century since its founding in 1905. Since that date it has extended its insurance services not only to church members, but also to the general insurance market.

Ethical insurance

Given its origins and focus on the Baptist movement, it may come as no surprise that the company describes itself as an ethical insurer and promises to reinvest its profits back into the Baptist community.

In keeping with those ethical objectives, the company undertakes to make a donation to the Baptist Union of the customer's choice and a further donation to the BMS World Mission on policies attracting a certain minimum level of premiums.

Company accounts

According to its most recently filed accounts (31 December 2013), the Baptist Insurance Company PLC had a net worth of more than £5 million, cash reserves of more than £1 million, assets of £8.5 million and liabilities of £3.3 million.

Landlord insurance

In addition to the principal business of insuring churches and church buildings, the company also offers insurance for residential buildings and their contents.

Landlord insurance is clearly somewhat different to standard home insurance, given the particular risks to both the structure and fabric of the building and to its contents. For that reason, online applications for home insurance included a declaration that the property is to be occupied by the applicant and his or her resident family and that the home is not going to be left unoccupied for longer than 60 days.

The company's website makes no specific mention of landlord's insurance - whether the letting is of property owned by the church or by a private landlord. Nevertheless, the company has indicated that it may consider providing a quotation for cover for a tenanted property, provided that the applicant also insures their main residential property with Baptist Insurance.

Baptist Insurance landlord insurance

The company's website includes guidance notes on the letting of church property to third parties, specifically addressing the need for individuals to accept responsibility for health and safety matters and to keep a register of any accidents which might occur.

As already noted, however, the company makes no attempt to market any insurance cover to meet the specific needs and requirements of landlords.

Nevertheless, it appears that such cover may be available on a case by case basis, provided that the customer has currently arranged their principal home insurance through Baptist Insurance.