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Call: 972-267-8000 or Email: welcome@insuranceoneagency.com

At Insurance One Agency, LC, everything we do, we do it with you in mind.

Family-Owned and Operated

Insurance One Agency, LC

Insurance One Agency began in 1992 as a family-owned independent insurance agency. Over the past 30 years, we have expanded to multiple offices throughout Texas and continue to serve our clients and communities with the highest level of service and value-based insurance solutions.

We also have more than 50 years of industry experience, our team of insurance professionals is dedicated to taking the time to understand your needs in order to help you find coverage that works for you. And with over 100 insurance companies represented, we have a wide variety of coverage options to provide you with so you can make an informed decision on how to protect what matters most to you.

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Dallas, TX - Aerial View of Downtown Dallas Texas Commercial Buildings Against a Clear Sky at Sunset

Proudly Insuring Texas and Beyond

With multiple offices across Texas, we provide our personalized, professional services to businesses and families across the Lone Star State and beyond.

Our Vision for Valuable Service and Solutions

We do everything with you in mind to help you protect what matters most to you. Simply put, we are here to give you peace of mind knowing that you’re covered. Here’s what you can expect from us.

Clients are the heart of our business.

Personalized advice, attention, and care.

Specialist-driven, award-winning agency.

Consulting and customized insurance solutions.

Helping You Find Value-Based Insurance Solutions

Insurance One Agency, LC offers a variety of business insurance, insurance by industry, and personal insurance solutions to help you protect what matters most.

Business Insurance

Insurance by Industry

Personal Insurance

Safeguard the Business You’ve Built

With a focus on insurance in the construction industry and years of experience in insuring many different industries, we are equipped to help you protect what you’ve worked hard for.

Builders Risk InsuranceContractor Insurance

“Very knowledgeable about all forms of insurance coverage for your personal or commercial insurance needs. Provides fantastic customer service and works hard to get clients the best coverage at the lowest prices possible!”

Izdan Corp.

“Insurance One Agency found the best coverage and I save almost $2,000 for both policies. Also, they provided the best customer service I ever had.”

Kathy Ayun

Protect What’s Most Important

As a family-owned business, family has always been at the heart of what we do. We are here to help you find insurance to help you protect what you love.

Home InsuranceAuto Insurance

The Independent Agency Advantage

What makes our independent insurance agency different?

Why Go Independent?

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At Insurance One Agency, LC we exceed expectations.

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

Manage Your Policies

Already a client at Insurance One Agency, LC? Visit our Service Center to get the help you’re looking for.

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Contractor
Commercial General Liability Coverage
Risk Factor

As a contractor, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.

Solution

Commercial general liability insurance is an absolute necessity for every contractor. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.

Commercial Property Coverage
Risk Factor

When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.

Solution

Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Contractors' Equipment Coverage
Risk Factor

You’re constantly moving your tools from one job site to another, exposing your contractor business to potential loss due to damage or theft. And without your specialized tools and equipment, your job site may come to a screeching halt.

Solution

As a contractor, you need contractors' equipment insurance - a policy specially designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning. Unlike standard commercial property insurance policies, contractors' equipment insurance often covers losses caused by floods and earthquakes.

Builders Risk and Installation Insurance
Risk Factor

A building under construction is not covered under a standard building insurance policy or a home insurance policy since it is not a complete structure. As a contractor, you may be responsible for unique loss exposures related to buildings under construction such as the theft of building materials and high valued equipment such as generators and compressors.

Solution

Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insurance–a policy specially and the value of the property being constructed until it is completed.

Workers’ Compensation
Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.

Business Auto Insurance
Risk Factor

As a contractor, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your contractor business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by a contractor and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Hold Harmless / Additional Insureds
Risk Factor

If you are performing as a contractor on a construction project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor or subcontractor causing damage to people or property of your mutual customer.

Solution

Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on their policy. This may provide you with coverage under their policy for injuries or damage they cause if you are named in a lawsuit.

Commercial Umbrella / Excess Insurance
Risk Factor

Losses and lawsuits are quite common in the construction business, and settlements can be substantial. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.

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