Stover & Crouch Insurance · Est. 1920
(936) 348-2688 Client Support

Independent insurance · Texas

Insurance in West Texas

For a West Texas contractor or service business, the address on a policy may be only the starting point. Tools, crews and vehicles can be at a customer’s site when you need them most. This guide focuses on preparing a review for work across locations, including businesses around Midland–Odessa and farther west toward El Paso.

Get a quoteCall (936) 348-2688

What do you need to insure?

Start with the property, vehicles, or operation you want to discuss.

General liability insuranceReview the work you perform and bring the insurance terms requested by a customer or contractor. Commercial property insuranceStart with the shop, stored materials and equipment, then discuss items away from that location. Commercial auto insuranceDescribe business vehicles, their drivers and the routes between your shop and job sites. Farm equipment insuranceFor agricultural equipment, include the machines and any work performed for other landowners.

Questions worth asking before you choose

Track equipment beyond the shop

Make a list of the tools and machines that leave your premises, along with their values and usual overnight locations. Ask whether the property policy addresses equipment in transit, at temporary sites or rented from someone else. TDI identifies inland marine as a coverage type for property in transit. The name alone is not enough: have the agent explain the proposal’s covered items and restrictions.

Bring the contract before requesting a certificate

Give the agent the insurance requirements, exact business names and the date the work starts. A certificate reports policy information; it cannot add coverage or change the policy. Ask whether endorsements or other changes are needed to meet the request, and have those answers confirmed before treating a certificate as proof that every contract requirement has been met.

Explain changes in the work

A crew adding a new trade or taking work at a different type of site should describe that change before assuming existing insurance applies. List subcontracted work, rented equipment and customer property in your care. Bring the project description rather than just a job title. This allows the review to focus on the actual operation and any terms in the proposed policy.

Helpful Texas resources

Bring the details that matter

Have these ready when you contact us. We can help you work through what is missing.

  • The types of work performed, project locations and any upcoming change in operations.
  • Tools and equipment values, serial numbers and usual storage arrangements.
  • Vehicle and driver details, including trailers and equipment rentals.
  • Current policies, contract insurance requirements and certificate requests with deadlines.

Talk it through with our team

We’re a Texas-based independent agency, established in 1920. Tell us what you need to insure, and we’ll review the options that may be available for your situation.

Coverage depends on the insurer, policy terms, and your circumstances.