INSURANCE

Insurance is to protect you from other people’s claims against you when something goes wrong.  You buy an insurance contract for a specific protection (also called an insurance policy).  Generally each contract is for a different kind of protection:  auto accident, flood damage, damage to cargo you are hauling, etc.   If you cause damage to someone’s property in a way that you do not have insurance coverage for, then you pay for the damage you caused out of your own pocket.

    • Agricultural, Commodities
    • Box Trucks
    • Dump Trucks
    • Fork Lifts
    • Garbage Trucks
    • Heavy Equipment
    • Livestock Hauling
    • Oilfield
    • Pick Ups
    • Semis
    • Tank Trucks
    • Tractors
    • Vans

    • Auto, Trailers
    •  Car Haulers
    •  Flatbed Trucks
    • Front Loaders
    • Hazardous Materials
    • Hot Shot
    •  New Businesses
    • Owner/Operators
    •  Refrigerated Units
    • Steel Haulers
    • Tow Trucks
    •  Trailers
    • And Many Others

What We Cover:

    • Cargo
    • Single Trucks and Multi Units
    • Uninsured/Underinsured Motorist
    •  Workers Compensation

    •  Liability
    • Local and Long Hauls
    • Personal Injury
    • Physical Damage

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You and your employees need to be covered for health insurance if you are injured on the job.  The insurance that does this is called Workers Compensation Insurance.  In some states they call it Workmen Compensation Insurance.  Whatever it is called, you need to have it.  We can help you get this insurance too.

BOAT INSURANCE

Boats come in all sizes, shapes, lengths, motor driven or sailboat or row boat. If you own a boat or are planning on buying one, you need insurance coverage for that boat. We can get it for you. Liability for injuries to others or their property, medical bills, damage to cargo, drowning, etc. We can cover it all.

BUSINESS INSURANCE

There are all kinds of potential liabilities when running a business. Problems where a customer slips and falls on your floor, they leave something for you to deliver or repair and it gets lost, someone driving one of your trucks runs a red light and crashes into another person.
The list of possibilities could go on and on, but the point being made is you as the business owner can suffer many losses in operating your business. And these losses can happen because your employees violated your specific instructions. It makes no difference how the damage or loss occurred, if you are liable for it, we should be able to get an insurance policy to protect you.

COMMERCIAL PROPERTY INSURANCE

This is to protect you from claims for damages occurring on any commercial real estate you own, rent, or lease.

COMMERCIAL TRUCK INSURANCE

We provide insurance coverages for the following types of trucking businesses.

Agricultural Commodities Auto Trailers, Box Trucks, Car Haulers, Dump Trucks, Flatbed Trucks, Fork Lifts, Front Loaders, Garbage Trucks, Hazardous Materials, Heavy Equipment, Hot Shot, Livestock Hauling, New Businesses, Oilfield, Owner/Operators, Pick Ups, Refrigerated Units, Semis, Steel Haulers, Tank Trucks, Tow Trucks, Tractors , Trailers, Vans And Many Others

CYBER LIABILITY INSURANCE

This is an insurance coverage to protect you from problems occurring over or through the Internet. With more and more business being conducted over the Internet, it is very important for you to have good protection in this area.

ENVIRONMENTAL DAMAGE INSURANCE

We provide insurance coverages for the following types of trucking businesses.

Agricultural Commodities Auto Trailers, Box Trucks, Car Haulers, Dump Trucks, Flatbed Trucks, Fork Lifts, Front Loaders, Garbage Trucks, Hazardous Materials, Heavy Equipment, Hot Shot, Livestock Hauling, New Businesses, Oilfield, Owner/Operators, Pick Ups, Refrigerated Units, Semis, Steel Haulers, Tank Trucks, Tow Trucks, Tractors , Trailers, Vans And Many Others

ERRORS AND OMISSIONS INSURANCE

Mistakes can be made that do not cause physical injuries or physical damages to people or things. Errors and Omissions (or E and O as some people call it) protects you from things you do wrong (errors) and protects you from things you forget to do (omissions). More and more businesses are requiring companies they work with to have E & 0 insurance coverage. We can get this for you

ERRORS AND OMISSIONS INSURANCE

Mistakes can be made that do not cause physical injuries or physical damages to people or things. Errors and Omissions (or E and O as some people call it) protects you from things you do wrong (errors) and protects you from things you forget to do (omissions). More and more businesses are requiring companies they work with to have E & 0 insurance coverage. We can get this for you

FARM AND RANCH INSURANCE

We can get coverage for your farm or ranch. This includes all types of coverages. Some coverages can be a bit more difficult to get, such as for crop damages, horse training, animal mortality, rodeos, ropings, etc. But we will get you a quote.
We get coverage on your buildings, ag equipment, liability if someone is hurt on your ranch or farm, etc.

GENERAL LIABILITY INSURANCE

This is insurance coverage to protect you from most any kind of claim for damages presented against you. It does not cover your property, but just protects you against someone suing you for injuries they claim happened because of something you did or did not do.

HOMEOWNERS/RENTERS INSURANCE

Homeowners/renters insurance covers your home or apartment should it be damaged by fire, wind, tornado, etc. It covers not only the buildings, but your household goods contents as well.
There is usually a small liability coverage to protect you if someone trips over your garden hose on your lawn and gets injured. But mainly it is to protect you if your things get damaged.

MOBILE HOME INSURANCE

This is like regular Homeowners Insurance, but it covers only mobile homes and their contents (your household goods). Mobile homes have special risks due to wind damage, hail damage, catching fire from other mobile homes in a mobile home park, etc.

MOTORCYCLE INSURANCE

Some insurance companies decline to write policies for motorcycles. However recently, it is becoming easier to get coverage for motorcycles. There are two parts of this insurance (just as with automobiles). First is liability if you injure or damage someone else with your motorcycle, and the other part is covering any damage that might occur to your motorcycle. We can get your motorcycle insured for both situations.

WORKERS COMPENSATION INSURANCE

Professional liability comes into play due to your saying or doing something in an area where you have special expertise. Examples would include lawyers, doctors, etc. As a professional truck driver, you might have some exposure if you promise that a certain cargo will not be damaged from heat as you drive it across the desert, but as it turns out you were wrong and the cargo is damaged from the heat. Professional liability insurance might come in to protect you in an unusual case like this.

UMBRELLA COVERAGE

Umbrella insurance is just like the name “umbrella” implies. It covers you over and above your regular insurance policies. Sometimes you can save money by buying an insurance policy with a lower total coverage, but then having a less costly umbrella policy to make up for any liability not covered by your regular policies. Umbrella policy premiums can frequently cost less than the premium for a regular policy that gives you the same total coverage. We will check into an umbrella policy coverage to help save you money in the total cost of your insurance premiums.
Note that where there are minimum coverages required by law (for instance in automobile liability laws), you cannot get an automobile policy with less than the minimum required by law and then try to make up the difference with an umbrella policy. That will not work.

PROFESSIONAL LIABILITY INSURANCE

Professional liability comes into play due to your saying or doing something in an area where you have special expertise. Examples would include lawyers, doctors, etc. As a professional truck driver, you might have some exposure if you promise that a certain cargo will not be damaged from heat as you drive it across the desert, but as it turns out you were wrong and the cargo is damaged from the heat. Professional liability insurance might come in to protect you in an unusual case like this.