"I have been in the insurance industry for over 13 years. I started my insurance career at a horse insurance agency many years ago and have learned by experience about many different types of insurance. Since 2004 I have primarily focused on commercial, life, and health insurance. I worked many years for State Farm and then for an Independent agent for over five years before starting my own agency in 2008. It is my agencys goal to offer the best price for the most comprehensive coverage available while providing excellent service. I try to make insurance easy, in business time is money and the less time an owner has to spend on insurance the more time they have to focus on what is profitable to them." --Misti Pearman Cox
Our agency can provide the following types of coverage:
Business Auto This is auto coverage for vehicles primarily used in a business capacity. Coverage is provided for liability and physical damage to the vehicles insured. These policies can also include hired and non-owned autos and cargo coverage.
Personal Auto This is auto coverage for personally owned vehicles not used in a business capacity. Coverage is provided for liability, physical damage to the vehicles insured, rental car coverage and towing.
Bonds Bonds can be required for many different aspects of your business, dishonesty, performance, fidelity, etc. We have multiple bond companies and can provide any type of bond other than bail bonds.
Business Owners Policies These policies provide both commercial general liability coverage and business property coverage for a business. Most also include additional coverages such as accounts receivable and money coverage at no additional cost.
Commercial General Liability This coverage provides protection needed to pay damages to third parties for bodily injury and property damage for which the insured is legally responsible. This can be due to goods or products made or sold by the insured or an accident on the business premises. This coverage also includes payments for defense costs in addition to the limits of the policy.
Commercial Property Coverage This coverage provides protection for loss to property owned by the business due to fire, wind, hail, theft, and many other causes. This can include buildings, inventory, contents and even property of others in your care.
Cargo Coverage This coverage is protection for cargo your business transports for a fee but does not own. If that property is damaged in you care this coverage pays to replace the property.
Equipment Coverage This coverage provides all risk coverage for your business equipment for theft, fire, water damage, and more. Policies can also include coverage for equipment rental and hand tools.
Group Life, Health, & Dental These coverages provide protection against the ever rising costs of health care. Employers need to have only one employee to qualify as a group. Group applicants cannot be declined due to health reasons.
Homeowners Insurance This is coverage for your personal home and contents in that home. Policies also include liability coverage and loss of use coverage. Homeowners policies can also be customized to include extensive jewelry, gun, or other coverages.
Farmowners Insurance This is coverage for your home when you own acreage and includes barns and other structures. Coverage can be provided for the home, contents, all outside buildings, and farm machinery. Policies also include premises liability and animal liability.
Individual Life & Health This is health coverage for you and your family when you do not qualify for a group policy or do not prefer group coverage. There are multiple plans and deductibles to choose from including prescription coverage.
Directors & Officers Liability This is coverage for a board of directors or officers of an organization. It is most commonly needed for non-profit organizations to protect their officers from litigation due to their decisions for the organization.
Product Liability This is protection for the business owner that sells products manufactured or produced by their company. If that product causes bodily injury or property damage to third parties it will pay for damages for which the insured is legally responsible and pay the cost of defense.
Professional Liability This is liability coverage for professionals such as architects, engineers, insurance agents, lawyers, consultants, home inspectors, designers, and medical professions. Expensive lawsuits can arise from alleged errors or omissions from these professions and this coverage will not only provide payment for amount an insured is legally responsible to pay but also unlimited defense costs.
Rental Properties This is property and liability coverage for homes, apartments, duplexes, triplexes, fourplexes, that are leased to others. Coverage can also include replacement of loss of rents due to a property loss.
Builders Risk This coverage provides property damage coverage for a home or commercial building while under new construction or renovation. Policies can be annual, semi-annual or three months in length depending on the property.
Special Event Coverage This is short term coverage for events such as seminars, arts & craft shows, fairs, festivals, and more. Coverage is for liability in the event of property damage or bodily injury and can also include liquor liability.
Umbrella/Excess Policies These policies are designed to add an additional layer of protection above the underlying policy limits. In the event an underlying policy such as a general liability policy is exhausted from a claim or multiple claims the umbrella policy adds additional available limits of liability insurance.
These descriptions are only brief summaries please contact our office for a more thorough explanation. Each policy is different and should be read thoroughly to confirm coverage.
Disclaimer: This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state. Please contact our office at 940-626-2285 to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send us your confidential personal information by unprotected email. Instead, discuss that personal information with us by phone or send by fax. Statements on this website as to policies and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverages pertain to their individual situation. Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors. Information provided on this website does not constitute professional advice. If you have legal, tax or financial planning questions, you need to contact a qualified professional.