Good People. Great Protection. Greater Purpose.

Since 1911, Barnard Donegan Insurance has offered expert advice and high-quality personal, business, and specialized insurance. BDI is still an insurance agency you can trust.

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The Solution To Your Insurance Needs

Providing a variety of industry specialties, employee benefits, and personal insurance, solutions is what Barnard Donegan Insurance does best.

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Barnard Donegan Insurance

One of the largest independent agencies in Central Texas.

We ARE your grandfather’s insurance agency. 

Barnard Donegan Insurance, founded in 1911, was built on the core principles of excellence, integrity, faith, and trust. While our knowledge about insurance stays current and cutting edge, our core principles remain solid and unchanged. 

As a Christian business, our faith implores us to put service above all else. This is apparent in our daily business dealings as well as in our community outreach. 

We are extremely proud of our knowledgeable staff who are family to us. When you become a client of BDI you will find the same warm embrace of family is extended to you. Relationships are important to us. We walk with our clients through life’s joys and through the hard stuff. 

Building trust in an overly connected world is daunting. For over 100 years, Barnard Donegan Insurance has been delivering old-fashioned service with real people, real protection, and real advice. At BDI you have someone to count on.

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A reputation of trust and care.

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The Advantage of an Independent Agency
Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are dependable and trustworthy.
  • We are real people, not a call center. 
  • We are licensed insurance advisors with decades of experience.
  • We treat you like family.
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As an independent agency, we are here to help you find the right coverage.

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What Makes Barnard Donegan Insurance Special

Here’s what sets us apart when it comes to serving your insurance needs.

We Are

We proudly give back to our local community by donating and volunteering our time with the charities we support.

BDI Cares

We Prioritize

We take extra measures to assure quality and accurate protection while minimizing your risk exposure and preserving your lifestyle.

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We Are

As 30+ individuals with extensive experience, we understand what it takes to bring quality coverage to clients of all types nationwide.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Stained Glass Insurance
Risk Factor

Stained glass is often very valuable and sometimes priceless. Several hundreds of thousands of dollars might be needed to refurbish the stained glass. If it’s damaged by vandalism, hail, fire, or other means, it can be very costly to fix. Finding a qualified contractor may also be challenging.


Depending upon your insurance coverage, an appraisal of your stained glass damage could be free of charge. In addition, consider including the value of the stained glass in the building limit of the church, and also include coverage under the church’s blanket limit. Some insurance companies may treat stained glass as part of a fine arts floater. Either way, this helps ensure the proper coverage in the event that something bad happens.

Abuse and Molestation Insurance
Risk Factor

There are hundreds of reports each year of people being sexually abused by clergy, church staff, volunteers, and congregation members. Countless more are abused without any report being made.


Obtain the proper abuse or molestation coverage to protect the church in the event of an allegation arises. In addition, consider having a written document to address how to prevent sexual abuse from happening and what to do in the event of an allegation.

Non-Owned Auto Insurance
Risk Factor

Church volunteers and employees often use personal vehicles to do work for the church.


Make sure to add hired and non-owned auto coverage to the church’s insurance policy to cover this exposure. Also, check the motor vehicle records for anyone who drives other members…especially kids.

Religious Freedom Insurance
Risk Factor

Churches sometimes have very closely held beliefs that may open them up to potential lawsuits in the event the church’s beliefs cause someone else to feel wronged. An example might be a church refusing to perform a same-sex marriage, which results in a lawsuit.


Consider adding religious freedom coverage. This insurance can protect the church in the event it is sued because of closely-held beliefs core to the church.

Directors and Officers Liability Insurance (D&O)
Risk Factor

Almost all churches have some form of board of directors that makes financial and operational decisions on behalf of the congregation. An organization once sued a church for improperly using their trademarked property while promoting a fundraising event. The total loss and defense costs totaled $400,000.


Directors and officers liability insurance protects the decision-makers of the church from lawsuits and claims. Instead of suing the individuals directly, the lawsuit would be defended by the church’s D&O policy. Most people who serve on a board in a volunteer capacity should demand this coverage before serving.

Church Roof
Risk Factor

Roof claims are the most common claims that churches face. Each year, billions of dollars of damage are typically paid as a result of storm damage.


Ensure you have the proper coverage and confirm that you are insured to full replacement value. In addition, make sure your insurance policy includes replacement cost coverage for roof claims for wind and hail.

Church Security
Risk Factor

Security in churches is becoming a larger issue as attacks have increased in recent years.


Every church should have a security plan. This plan should detail where parishioners go in the event of an emergency, which entrances are open during worship times, who should contact the authorities, how to spot someone who may pose a security risk, and how to react to someone who is trying to cause harm to parishioners.

Professional Liability Insurance
Risk Factor

Pastors often find themselves giving counseling to couples or other church members. In addition, pastors could be at risk of a lawsuit for what they say in the pulpit.


When it comes to counseling, pastors should have clear guidelines on what is acceptable in a counseling situation. In addition, pastors should be trained to know what needs to be reported to the authorities in the event of an extreme situation. Adding professional liability coverage to your church’s insurance policy can help protect the pastor and church from claims or lawsuits arising from what the pastor says at the pulpit or when teaching or preaching.

Church Insurance 101

Make sure you cover the unique risks you face with church insurance.

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  • Discover your risks.
  • Get the right coverage.
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Multifamily and Real Estate Industry
Trucking and Transportation Industry
Church and Religious Industry
Hospitality Industry
Non-Profit Industry
Food and Beverage Industry

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As an independent agency, we are here to help you find the right coverage.

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We extend insurance solutions to clients locally in and around San Antonio, TX, and across the nation from our offices in Seguin, TX, and New Braunfels, TX.

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