Insurance

Commercial Insurance is a broader description for policies providing coverage for Commercial Property coverage for Commercial Buildings, Inland Marine, Commercial General Liability, Commercial Automobile, Workers’s Compensation, Commercial Umbrellas and Professional Liability such as Directors & Officers Liability and Commercial Crime. These policies can range from small Business Owners or “BOP” policies to large and complicated Commercial Package policies requiring almost daily communication between the agent and our client.

A Motorcycle policy is similar to a Personal Auto policy in that a Motorcycle policy can provide both Liability and Physical Damage (Comprehensive & Collision) coverage.

Home Insurance typically refers to a Homeowners Insurance Policy which combines Property coverage with Personal Liability coverage. In addition to writing Homeowner policies, we also write the related Tenant Homeowner or Renter’s policies and Tenant Occupied Dwelling or Dwelling Fire policies.

Surety Bonds typically refers to the exclusive Bonding Relationship we, as the Surety Agent, create with the Bonding Company (or Surety) on behalf of our construction clients, also called the Principal. Once an ongoing surety relationship is established, subject to the approval from the Surety, we are able to provide Bid Bonds and, in the event of a successful bid, we are able to provide Payment and Performance Bonds to the Obligee as required by the construction contract.

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In addition to Construction Bonds as described above, we actively write Court Bonds, Permit Bonds, and Notary Bonds.

Personal Auto policies are policies every person in this part of the country needs as the vehicle we drive is important not only for transportation but our vehicle is also a statement of who we are. A Personal Automobile policy can provide both Liability coverage and Physical Damage (Comprehensive & Collision) coverage.

Within the Personal Lines market, we are able to provide our customers coverage for their specialty or unique items often referred to as toys which include Recreational Vehicles, Motorhomes, Boats, Jet Skis, ATVs, Golf Carts, and other related items.

Classic Cars are another specialty niche within the personal lines marketplace. We represent markets that write specialty personal auto policies for your classic cars. These policies are usually written after your regularly driven cars are already insured on a separate Personal Auto Policy. Since your Classic Car is treated as your personal prize, it garaged in your personal museum and you do not drive your classic car on a regular basis. Because of this limited use and extraordinary care, the classic car insurance company is willing to write coverage for this particular vehicle at a much reduced rate compared to your primary Personal Auto policy.

Amarillo, Texas is in the heart of ranching country and the Texas Panhandle is on the lower end of the Great Plains. As such, agriculture and big agriculture are significant contributors to our area’s economy. We actively write Farm and Ranch Owner (FRO) policies for the both smaller farm and ranch operations and also for the large cattleman who has a large herd at multiple ranch locations. In addition, we write Farm Liability policies for the land owner who leases his land to a 3rd party who actively farms or ranches the owner’s land.

The High Value personal lines market is a truly unique and complicated niche within the Personal Lines marketplace. The typical high end client has multiple homes, with a secondary home sometimes outside of Texas. The home Replacement Cost values usually exceed $1,000,000. In addition, this type of client will have scheduled jewelry and fines arts items, and a need for a Personal Umbrella. Depending on how high the Replacement Cost value of the home to be insured is, the markets targeting this segment will change.