Click any of the following links to submit a quote for quick, accurate and affordable rates.Builders Risk Business Owners (BOP) Quote Form Commercial Auto General Liability Quote Form Workers Compensation QuoteBusiness & Commercial Insurance Customer Service OptionsSelf policy service any time of the day, directly from our website.

A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects.

Ask your insurance agent to explain all the differences and options.insurance companies amarillo tx, insurance amarillo tx, homeowners insurance amarillo tx, auto insurance amarillo tx, health insurance amarillo txGeneral Liability If you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability.

Make sure you have sufficient auto liability coverage.Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade.

General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.Broad Range of General Liability ProtectionBodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injuryProperty Damage coverage for the physical damage to property of others or the loss of use of that propertyProducts-Completed Operations provides liability protection (damages and legal expenses up to your policy’s limit) if an injury ever resulted from something your company made or service your company providedProducts Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidentsContractual Liability extends to any liability you may assume by entering into a variety of contractsOther coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business typesWorkers Compensation Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards.

It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.Workers Compensation Insurance is designed to help companies pay these benefits.

Our convenient website allows you to request insurance quotes twenty-four hours a day.

Our experienced staff will answer questions as we put together a suitable coverage package for you.

Contact us or call (806) 331-0236 to learn more about the right insurance policy for your business.As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade.

General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

Click any of the following links to submit a quote for quick, accurate and affordable rates.Builders RiskBusiness Owners (BOP) Quote FormCommercial AutoGeneral Liability Quote FormWorkers Compensation QuoteBusiness & Commercial Insurance Customer Service OptionsSelf policy service any time of the day, directly from our website.

Make sure you have sufficient auto liability coverage.Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade.

General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.Broad Range of General Liability ProtectionBodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injuryProperty Damage coverage for the physical damage to property of others or the loss of use of that propertyProducts-Completed Operations provides liability protection (damages and legal expenses up to your policy’s limit) if an injury ever resulted from something your company made or service your company providedProducts Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidentsContractual Liability extends to any liability you may assume by entering into a variety of contractsOther coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business typesWorkers CompensationWorkers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards.

It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.Workers Compensation Insurance is designed to help companies pay these benefits.

Workers Compensation is designed specifically for injuries sustained on the job.In most states, if you have employees, you are required to carry Workers Compensation coverage.

Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.Do I need workers compensation insurance?Employers have a legal responsibility to their employees to make the workplace safe.

Our convenient website allows you to request insurance quotes twenty-four hours a day.

Our experienced staff will answer questions as we put together a suitable coverage package for you.

You can expect friendly service from our staff.5 Benefits of Having an Insurance AgentThere are many benefits to using an insurance agent versus some faceless insurance company on the Internet.

Here are five of them:You Have Somewhere to go if You have a Question.If you have an online insurance policy and need a question answered, you will likely have to call an 800 number.

If there is a new discount available, there is a chance to save money for your family!

Insurance agencies are proud to know the majority of their policy holders personally and watch out for YOU and your family!They May Help You Save Money on Other Insurance Policies.A major benefit to having an independent insurance agent is that they can help with all of your personal insurance needs and coverages for your family’s assets.

What kinds of health insurance are there?There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care.

Although these plans differ, they both cover an array of medical, surgical and hospital expenses.

These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.What is ‘long-term care’?Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed).

These six actions are called Activities of Daily Living–sometimes referred to as ADLs.

In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time.

Some people who need ADL services might need them only for a few months or less.Many people think that long-term care is provided exclusively in a nursing home.

What is autoinsurance?Auto insurance protects you against financial loss if you have an accident.

It is a contract between you and the insurance company.

You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.Auto insurance provides property, liability and medical coverage:Property coverage pays for damage to or theft of your car.Liability coverage pays for your legal responsibility to others for bodily injury or property damage.Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.An auto insurance policy is comprised of six different kinds of coverage.

If you're financing a car, your lender may also have requirements.Most auto policies are for six months or a year.

Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.Why do you need auto insurance?It's really all about protecting yourself financially.If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.If you or any passengers are injured in an accident, medical costs can be extremely expensive.If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.Questions to ask your agentYour Independent Agent is an advocate for finding auto insurance that meets your specific needs.

Here are a few things to consider as you prepare for the discussion:How much can you afford to pay if you get in an accident?

Auto insurance protects you against financial loss if you have an accident.

It is a contract between you and the insurance company.

You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.Auto insurance provides property, liability and medical coverage:Property coverage pays for damage to or theft of your car.Liability coverage pays for your legal responsibility to others for bodily injury or property damage.Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.An auto insurance policy is  comprised of six different kinds of coverage.

If you’re financing a car,  your lender may also have requirements.Most auto policies are for six months or a year.

Your insurance  company should notify you by mail when it’s time to renew the policy and  to pay your premium.Why do you need auto insurance?It’s really all about protecting yourself financially.If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.If you or any passengers are injured in an accident, medical costs can be extremely expensive.If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth.Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.Questions to ask your agentYour Independent Agent is an advocate for finding auto insurance that meets your specific needs.

Here are a few things to consider as you prepare for the discussion:How much can you afford to pay if you get in an accident?

What kinds ofhealth insurance are there?There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care.

Although these plans differ, they both cover an array of medical, surgical and hospital expenses.

Managed CareMore than half of all Americans have some kind of managed-care plan1.

Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans.

These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.What is 'long-term care'?Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed).

These six actions are called Activities of Daily Living–sometimes referred to as ADLs.