Protecting Texas Businesses

Business Insurance

Straightforward Coverage for the Long Haul

Since 1989, Dumas Insurance Agency has been the trusted partner for businesses across the Texas Panhandle and beyond. From Amarillo to Lubbock, our independent agency offers customized insurance solutions to protect your operations. We understand the unique challenges Texas businesses face and provide policies that offer peace of mind. With access to multiple carriers through IIAT and Bolt Agency networks, we ensure you get the best coverage at competitive rates.

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Essential Coverage for Everyday Operations

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Commercial Auto

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Full Circle Protection for Every Kind of Business

Commercial Trucking Insurance

Keeping Your Haul Covered

Whether you're hauling goods through Amarillo or across the state, commercial trucking insurance helps keep your business rolling. We offer policies for owner-operators, fleet owners, and freight companies throughout the Texas Panhandle. From liability to cargo coverage, we’ll help you meet DOT requirements and protect your investment.

  • What does commercial trucking insurance include?

    It typically covers liability, physical damage, motor truck cargo, and non-trucking liability.

  • Do I need special coverage for long-haul trips?

    Yes. We offer policies tailored for long-haul and regional trucking operations.

  • Can I insure multiple trucks under one policy?

    Absolutely. Fleet policies can simplify coverage and often reduce your overall cost.

  • Does this insurance meet state and federal requirements?

    Yes—we’ll help you stay compliant with FMCSA and Texas state regulations.

Artisan Contractor Insurance

Crafted for Contractors

As an artisan contractor, your tools, time, and talent are your livelihood—and you need insurance that understands the work you do. Whether you're a plumber in Amarillo, an electrician in Dumas, or a carpenter serving clients across the Texas Panhandle, we’ll help you find protection that fits your trade. From liability coverage to equipment protection, we make it easy to stay focused on the job—not the risk.

  • What is artisan contractor insurance?

    Coverage for dwellings, machinery, livestock, outbuildings, and personal liability.

  • Does artisan insurance include tools and equipment?

    Yes—crop coverage is available through federal programs and private carriers.

  • Is general liability insurance required in Texas for contractors?

    They can be, often through an inland marine endorsement.

  • Can I bundle artisan insurance with commercial auto?

    Absolutely. Many contractors bundle general liability, tools coverage, and commercial auto to get complete protection—and potential savings.

Builder’s Risk Insurance

Cover What’s Under Construction

Construction projects come with countless variables—Builder’s Risk insurance helps you control the financial ones. We provide coverage for contractors and developers throughout Texas, protecting materials, tools, and structures during active builds.

  • What does builder’s risk insurance cover?

    Damage to materials, equipment, and structures during the construction phase.

  • Who needs this type of insurance?

    General contractors, property owners, and developers.

  • Does it include coverage for theft or vandalism?

    Yes—most policies include theft, fire, weather, and vandalism coverage.

  • When should I buy the policy?

    It should be in place before materials are delivered to the job site.

Liquor Liability Insurance

Serve With Confidence

If your business serves, sells, or distributes alcohol, liquor liability coverage is critical. From bars in Amarillo to banquet halls in Lubbock, this policy helps cover claims involving intoxicated customers. We help you meet Texas licensing requirements and protect your business from costly lawsuits.

  • What does liquor liability insurance cover?

    Claims involving injury, property damage, or harm caused by an intoxicated person you served.

  • Is it legally required in Texas?

    It’s not mandated by the state, but many venues and licensing bodies require it.

  • Does it cover events or just businesses?

    We offer liquor liability for both ongoing operations and single events.

  • Can I bundle this with other policies?

    Yes, it’s often bundled with general liability or restaurant insurance packages.

Surety Bonds

Backed by Trust

Whether you're bidding on a public contract or securing a license, surety bonds show clients you follow through. We help contractors, service providers, and professionals throughout Texas meet bonding requirements quickly and affordably.

  • What is a surety bond?

    It’s a three-party agreement that ensures you fulfill a legal or contractual obligation.

  • Who requires surety bonds?

    Government agencies, licensing boards, and private contractors.

  • How much does a surety bond cost?

    Usually 1–3% of the bond amount, depending on your credit and industry.

  • Is it insurance?

    Not quite—it’s a financial guarantee rather than a traditional insurance policy.

Inland Marine Insurance

Mobile Property, Protected

If your tools, equipment, or materials are constantly on the move, inland marine insurance is a must. Whether you’re a contractor in Dalhart or a vendor at Texas trade shows, this policy helps protect what's not covered under standard property insurance.

  • What does inland marine insurance cover?

    Movable property—like tools, equipment, electronics, and goods in transit.

  • Do I need this if I have commercial property insurance?

    Yes—property insurance often excludes off-site or in-transit items.

  • Can it cover installation projects?

    Yes—installation floaters are common for trades and construction.

  • Is leased equipment covered?

    Yes—leased or rented equipment can be included in your policy.

Cargo Insurance

Protect What You’re Moving

Cargo insurance ensures that your freight is covered from pickup to delivery. Whether you're shipping oilfield equipment or commercial goods across Texas, we help protect against losses in transit.

  • Who needs cargo insurance?

    Owner-operators, fleet carriers, brokers, and logistics companies.

  • What does cargo insurance typically cover?

    Theft, collision, fire, water damage, and spoilage during transit.

  • Is it required by law?

    It’s not mandatory but is highly recommended and often required by contracts.

  • Can I insure specific loads?

    Yes—coverage can be per shipment or part of an ongoing trucking policy.

Cyber Liability Insurance

Defend Your Data

Cyber threats can hit any business—big or small. From ransomware attacks to data breaches, cyber liability insurance covers recovery costs, legal fees, and customer notifications. We help businesses across Texas stay protected in the digital world.

  • What does cyber insurance cover?

    Data breach response, customer notifications, legal defense, and ransom payments.

  • Do I need it if I use cloud storage?

    Yes—cloud-based data is still your responsibility to protect.

  • Can this be added to a BOP?

    Sometimes. We’ll evaluate whether it should be bundled or standalone.

  • Does it cover lost business income?

    Yes—business interruption due to cyberattacks is often included.

Commercial Umbrella Insurance

Extra Protection, Always On

When a large claim exceeds your primary liability coverage, commercial umbrella insurance steps in. It’s an added layer of security for your business—one that Texas contractors, retailers, and professionals rely on for peace of mind.

  • What does umbrella insurance do?

    It provides excess liability coverage beyond general, auto, and workers’ comp policies.

  • Who needs an umbrella policy?

    Businesses with high exposure to lawsuits or public interactions.

  • Does it cover legal defense costs?

    Yes—if your primary policy limits are exhausted, the umbrella picks up the rest.

  • Is it expensive?

    Not at all—premiums are often low for the amount of protection you get.

Directors and Officers (D&O) Insurance

Protect Your Decision-Makers

When leaders make tough calls, they shouldn’t have to worry about personal risk. D&O insurance helps protect your executives, board members, and officers from lawsuits tied to business decisions. Whether you run a nonprofit in Dumas or a growing tech firm in Amarillo, this coverage offers smart peace of mind.

  • What does D&O insurance cover?

    Legal defense, settlements, and judgments from lawsuits alleging mismanagement, breach of duty, or wrongful acts.

  • Is it just for public companies?

    No—private businesses and nonprofits benefit from it too.

  • Does it protect personal assets?

    Yes—D&O coverage protects the personal assets of your leadership team.

  • What kinds of claims are common?

    Allegations of financial misstatements, regulatory violations, or failure to act in stakeholders’ interests.

Employment Practices Liability Insurance (EPLI)

Coverage for Workplace Claims

If a former or current employee files a complaint, EPLI protects your business from the financial fallout. From wrongful termination to harassment claims, we help business owners across Texas reduce risk and legal costs.

  • What does EPLI cover?

    Claims related to discrimination, harassment, wrongful termination, retaliation, and more.

  • Is this the same as workers’ comp?

    No—workers’ comp covers physical injuries, while EPLI covers legal and HR-related claims.

  • Does it cover legal fees?

    Yes—most policies include legal defense and settlement costs.

  • Do small businesses need this coverage?

    Absolutely—claims can happen regardless of company size.

Garage Insurance

Coverage That Keeps You Rolling

If you fix, tow, or store vehicles, garage insurance is essential. It blends property and liability coverage to protect your tools, your customers’ vehicles, and your employees. From repair shops in Plainview to auto dealers in Amarillo, we’ve got the right coverage for your garage.

  • What does garage insurance include?

    General liability, garagekeepers coverage, and commercial property protection.

  • What is garagekeepers insurance?

    It covers customers’ vehicles left in your care, custody, or control.

  • Can I add coverage for tools and lifts?

    Yes—equipment and tools can be covered under property or inland marine insurance.

  • Does this include test drives or road exposure?

    Yes—commercial auto coverage can be added for those needs.

Key Person Insurance

Protect Your Irreplaceables

If your business relies on one or two critical people to stay afloat, key person insurance is worth considering. This coverage provides financial support if a key employee or owner passes away or becomes disabled. We help businesses in Dumas and across Texas plan ahead for the unexpected.

  • Who qualifies as a key person?

    Founders, executives, top salespeople, or anyone essential to daily operations or revenue.

  • How does the policy work?

    The business owns the policy and receives the payout if the insured person dies or becomes disabled.

  • What can benefits be used for?

    Replacing the person, covering lost revenue, or winding down the business if necessary.

  • Is this required for loans or investors?

    Yes—many lenders and investors require it as part of financial planning.

Manufacturers Insurance

Coverage for What You Make

Manufacturers face specific risks—equipment breakdowns, product defects, and supply disruptions. Our insurance packages are built for production-focused businesses across the Texas Panhandle. From custom fabrication to large-scale distribution, we’ll keep your operation moving.

  • What does manufacturers insurance cover?

    Property, liability, equipment breakdown, business interruption, and product liability.

  • Can I include product recall coverage?

    Yes—it can be added to help with recall costs and customer notifications.

  • Is my equipment covered if it fails?

    Yes—equipment breakdown insurance is often included or can be added.

  • Do I need this even with general liability?

    Yes—manufacturing exposures require broader protection.

Non-Profit Insurance

Mission-Focused, Risk-Aware

Non-profits face real liability risks, just like for-profit businesses. We help organizations across Texas protect their boards, staff, volunteers, and property—so they can stay focused on their mission. Whether you run a food bank or faith-based outreach, we’ll help you stay protected and compliant.

  • What insurance do non-profits need?

    General liability, D&O, EPLI, and property coverage are key.

  • Are volunteers included in the policy?

    Yes—many policies include or allow for volunteer liability protection.

  • Do we need insurance if we rent space?

    Yes—liability and property coverage are still important, even without ownership.

  • Can we get coverage for fundraising events?

    Absolutely—special event insurance can be added when needed.

Product Liability Insurance

Protect What You Produce

If your product causes harm or damage, your business could face a costly claim. Product liability insurance protects manufacturers, distributors, and retailers across Texas. Whether you build it or simply sell it, this coverage protects your reputation and bottom line.

  • What does product liability insurance include?

    Legal defense, medical costs, and damages resulting from product defects or malfunctions.

  • Do I need this if I don't manufacture the product?

    Yes—distributors and retailers can also be held liable.

  • Is product recall covered?

    Not always, but it can be added as an endorsement.

  • How does it differ from general liability?

    It specifically addresses risks tied to product design, manufacturing, and warnings.

Professional Liability (Errors & Omissions) Insurance

For the Experts Behind the Advice

If your business offers services, advice, or consultations, professional liability insurance—also known as E&O—helps protect you from claims of mistakes, omissions, or negligence. From bookkeepers in Amarillo to consultants in Lubbock, we help Texas professionals stay covered.

  • What does professional liability insurance cover?

    Claims of negligence, missed deadlines, errors, or omissions in your professional work.

  • Do I need this if I have general liability?

    Yes—general liability covers physical risks, not professional advice or service errors.

  • What industries need E&O coverage?

    Accountants, consultants, real estate agents, designers, IT professionals, and more.

  • Does it cover legal fees?

    Yes—most policies include defense costs, settlements, and judgments.

Restaurant & Bar Insurance

Full-Service Protection for Your Business

Running a restaurant or bar comes with many moving parts—and risks. From equipment breakdowns to liquor liability, we help food service businesses across Dumas, Amarillo, and beyond stay protected and compliant.

  • What’s included in restaurant insurance?

    Property, general liability, food spoilage, liquor liability, and employee coverage.

  • Is liquor liability included automatically?

    No—it must be added separately, and we’ll help make sure it fits your operations.

  • Can I get coverage for food trucks or mobile vendors?

    Yes—we provide policies tailored to mobile and catering businesses too.

  • What if my kitchen equipment breaks down?

    Equipment breakdown and spoilage coverage can be included to reduce downtime.

Hotel & Motel Hospitality Insurance

Welcome Guests, Manage Risk

From slip-and-fall accidents to storm damage, hotel and motel owners face a wide range of risks. Our hospitality insurance programs help lodging businesses across Texas protect their properties, guests, and staff—so you can focus on a great guest experience.

  • What coverages are included?

    Property damage, liability, guest injury claims, loss of income, and theft.

  • Are guest belongings covered?

    Some policies offer limited guest property coverage—ask us how to add it.

  • Can I insure multiple locations under one policy?

    Yes—we can combine coverage for chains, multi-site properties, or management groups.

  • Do you offer pest-related endorsements like bedbug coverage?

    Yes—some insurers offer this as an optional endorsement.

Special Event Insurance

Big Day? Covered.

Hosting a wedding, fundraiser, or festival? Special event insurance helps protect against last-minute cancellations, property damage, and guest injuries. Whether your event is in Amarillo or a rural Texas ranch, we’ll help keep the celebration worry-free.

  • What does special event insurance cover?

    Liability for injuries or damage, cancellation costs, vendor issues, and more.

  • Do venues require it?

    Many venues do, especially for events serving alcohol or with large guest counts.

  • Can I add liquor liability for my event?

    Yes—single-event liquor liability can be added easily.

  • How far in advance should I buy it?

    As early as possible, though some policies can be issued just a few days before the event.

Technology Business Insurance

Secure Coverage for Smart Companies

From managed IT providers to app developers, tech companies face evolving risks. We help startups and established firms across the Panhandle find insurance that grows with them—from cyber threats to contract disputes and equipment damage.

  • What types of insurance do tech companies need?

    Professional liability (E&O), cyber liability, general liability, and business property.

  • Does it cover remote staff or equipment?

    Yes—equipment used off-site can be covered with the right endorsements.

  • Do I need coverage for intellectual property issues?

    Yes—some E&O policies include IP infringement protection.

  • Is data loss included?

    Cyber liability can cover data recovery, breach response, and legal costs.

Vineyard & Winery Insurance

Rooted in Protection

Whether you're growing grapes, bottling wine, or hosting tastings, your vineyard or winery faces unique risks. We help producers in Lubbock, the High Plains, and across Texas protect their crops, buildings, stock, and guests with coverage built for the industry.

  • What does vineyard and winery insurance cover?

    Crop loss, wine stock, production equipment, tasting room liability, and more.

  • Can I insure stored or aging wine?

    Yes—wine stock is insurable at various production stages.

  • Is liquor liability included?

    It can be added, especially for tasting rooms and events.

  • Can I get coverage for events or festivals on site?

    Yes, it provides additional financial protection for accidents that cause disability or loss of life.

Let’s Build a Policy That Works as Hard as You Do

Whether you run a family farm, a food truck, or a growing tech firm, we’re ready to help you protect what you’ve built. Give us a call and speak directly with someone who understands Texas business—because we’re one too.

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