We offer pretty much any kind of commercial insurance you might need outside of a few very specialized products.  It would be impossible to put every application for every company online and Commercial Insurance requires a certain amount of contact between an agent and a customer to ensure they get not only an accurate quote but an accurate policy.

COMMERCIAL AUTO

This is our largest segment of commercial insurance and ranges widely from Towing and Recovery to Sand and Gravel Haulers to Short, Intermediate and Long Haul Trucking.  We also insure a number of smaller businesses that have pickups and delivery trucks for contractors, plumbers, welders and home builders.  However, a few basic questions are on almost every application such as:

1. Name and Address of the business.
2. Type of Business you are in.
3. A Corporation, Partnership or Individual.
4. Names, Date of Birth of Drivers, 
    Tickets/Accidents the past five years.
5. Year, Make, Model and VIN's for the autos.
6. Current and Last Years Gross Income Estimate.
7. Current policy dates, limits and company
    name.
8. Email Address and preferred method/time
    you would like to be contacted.


We offer these types of Coverage through direct markets such as Travelers, The Hartford, Safeco and Progressive.  We also broker this out to numerous carriers through what are called Managing General Agents.  We are very proud to work with leading MGA's such as Bass Underwriters, Ark-La-Tex, Texas All-Risk, Burns-Wilcox and BISYS.  By doing this, we can quote you with literally hundreds of prospective companies.  For one recent Tow Truck insurance policy, the quotes came back from $36,152 to $82,500 for the very same policy!!!  It pays to have us shop for you.

GENERAL LIABILITY
Businesses which rent a space or building are most likely required to carry general liability at certain limits such as $1,000,000.  This is most commonly for the slip and fall situations.  Another coverage your landlord may require is fire legal liablity in case you or one of your employees start a fire that damages your premises or possibly some of the other tenants spaces.  You may also want and/or be required to carry employer's legal liabilty for employees that may be injured and would sue not only you but the owner or landlord of the building you are renting. 

BUSINESS OWNERS POLICY (BOP)
This is the most widely sold policy and the best you as a customer can buy in terms of price and coverage.  These are generally sold by companies that are considered standard carriers as opposed to insurance companies that provide coverage to more difficult to place types of policies. 

This policy will usually offer the Liability coverage we discussed above plus allows you to cover your property and tools very affordably.  By allowing you to cover your property as being unscheduled, meaning you don't have to list each specific item and a value for each thing, it lets you purchase basically a blanket coverage for a total amount.  Be sure and ask if your business is eligible for this form of policy.

Another great benefit to these types of policies is the Loss of Income endorsement.  Several of our companies offer this for loss of income for a covered peril for up to one year on an actual loss sustained basis.  What this means is if a storm hit your area and business and you had to be shut down for up to 60 days, you will have loss of income protection that will help you pay your bills such as rent and employees salaries.  Be sure and discuss this with us when we write your policy for you.

Many other endorsements are available for coverage such as lost data and recovery, specialized computer software, accounts receivable,etc.  

If your business is eligible, we can often write this type of policy for about $500 to $750 per year for a smaller business.  Be sure and ask because several of our companies offer excellent pay plans.

EXCESS AND SURPLUS LINES
Because many companies don't want to expose themselves to riskier types of commercial insurance, we have to go to what is called excess and surplus lines companies.  What we basically do is gather up all of your information and call the MGA's and have them help us place your business.  The downside is this is often, but not always, more expensive and you have to finance out your annual premium if you are making installment payments for it.  However, we are able to find you coverage when others can't.  Some of the things that lead to this type of purchase can be a lack of experience in business (usually three years), not carrying insurance in the past, having claims with other companies and also riskier types of business such as transporting hazardous waste, building or selling products with a high exposure such as trailer hitches, etc.

TRUCK & TRANSPORTATION INSURANCE:

Steven Goss specializes in insurance for truckers ranging from tow truck insurance to hazardous waste carriers.  Call Steven even if you have needs other than the following:

Texas & Oklahoma Tow Truck Insurance
Texas & Oklahoma Dump Truck Insurance
Texas & Oklahoma Long Haul Trucking
Texas & Oklahoma Hazardous Waste Cargo
Texas & Oklahoma Limousine Insurance
Texas & Oklahoma Trucking General Liability

OTHER COMMERCIAL PRODUCTS:

WORKERS COMPENSATION
BUILDER'S RISK
FLOOD
GROUP HEALTH
PROFESSIONAL LIABILITY