Lines of coverage
Commercial for Texas businesses. Personal for people we know.
Every line below can start as a quote. If you already have a policy in force, sign in to request an MSA-compliant certificate.
Commercial
Quote commercialGeneral Liability
We place GL for contractors, oilfield service, professional offices, and Main Street operators. Limits and additional-insured wording are written to match your MSAs, not a generic certificate.
- Contractors
- Service firms
- Retail and offices
Commercial Auto
From a single work truck to a multi-unit fleet. We look at driver controls, radius, and hired/non-owned exposure so the policy matches how the business really runs.
- Fleets
- Contractors
- Delivery and field service
Workers Compensation
Wrong class codes and loose payroll reporting are how premiums get away from you. We review operations, not just the application, and keep the program current as headcount changes.
- Construction
- Oil and gas
- Any employer with field staff
Commercial Umbrella
High-net-worth owners and growing contractors need more than a million. We schedule underlying policies so the umbrella actually follows, including additional-insured and waiver terms when required.
- High-severity trades
- Fleet accounts
- Owners with personal assets at risk
Surety Bonds
We can quote many bonds instantly through BondExchange. For larger contract surety we package financials and work history so underwriting has what it needs the first time.
- Public work
- License and permit
- Court and fiduciary
Businessowners Policy
A BOP is often the cleanest way to cover a building, contents, business income, and GL together. We still shop it independently so you are not locked to one carrier's package.
- Offices
- Retail
- Light service businesses
Builders Risk
We write project-specific and reporting forms for Texas builders. Soft costs, existing structures, and downstream COI requirements get reviewed before the first stick goes up.
- General contractors
- Owner-builders
- Developers
Oil and Gas
Allen places oilfield and energy-service accounts with markets that understand Texas operations. Certificates are written to the master service agreement — additional insured, waiver, primary/noncontributory — so you can go to work.
- Lease operators
- Service companies
- Vendors on operator MSAs
Personal · owners, family, referrals
Home, auto, and bundles for Hill Country families, plus our commercial clients' households. Start an instant online quote or ask Allen directly.
Home
Home, auto, and bundles for Hill Country families, plus our commercial clients' households. We look at wildfire, hail, water backup, and scheduled articles instead of a one-click HO-3.
- Primary homes
- Lake houses
- High-value residences
Personal Auto
We coordinate personal auto with commercial auto and umbrella so there are no gaps between the company truck and the family cars.
- Household fleets
- High-value vehicles
- Multi-state drivers
Rental Homes
Allen is also a real-estate investor. Landlord policies, loss of rents, and ordinance-or-law get treated as part of the balance sheet — not an afterthought.
- Long-term rentals
- STR / Airbnb
- Small portfolios
Personal Umbrella
A personal umbrella only works if the underlying auto and home limits are right. We set the stack so a serious claim does not land on personal assets.
- High-net-worth households
- Public figures
- Board members
Boat and Yacht
Agreed value, navigation limits, crew, and hurricane haul-out all change the policy. We place boat and yacht coverage with markets that actually write marine, not a homeowners endorsement.
- Lake boats
- Coastal yachts
- Tournament boats
ATVs and Off-Road
Ranch and recreational machines need their own paper. We schedule them properly instead of hoping a homeowners policy will respond on a trail or lease road.
- Ranch UTVs
- Recreational ATVs
- Hunting property
Hunting Leases
A handshake lease is not a risk plan. We write hunting-lease liability so landowners and lessees know who is protected when a guest is hurt.
- Landowners
- Lease groups
- Outfitters
Collector Property
Scheduled, agreed-value coverage for the things a standard homeowners policy underinsures. Cars, guns, jewelry, and art each need their own conversation.
- Collector cars
- Firearms
- Jewelry and art
Life and Key Person
We use life insurance as a balance-sheet tool — estate liquidity, key-person, and buy-sell — not a product pitch. Instant quoting is on the Life page; more complex cases still go through Allen.
- Business owners
- Key employees
- Estate planning