Lines of coverage
Every line below can start as a quote. If you already have a policy in force, sign in to request an MSA-compliant certificate.
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.
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.
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.
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.
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.
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.
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.
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.
Personal lines are not an open book. We write them for our commercial clients, their households, and people they send us.
Personal lines are written for our commercial clients, their families, and referrals. We look at wildfire, hail, water backup, and scheduled articles instead of a one-click HO-3.
We coordinate personal auto with commercial auto and umbrella so there are no gaps between the company truck and the family cars.
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.
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.
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.
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.
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.
Scheduled, agreed-value coverage for the things a standard homeowners policy underinsures. Cars, guns, jewelry, and art each need their own conversation.
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.
