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Insurance For Your Business

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Shivers & Associates offers insurance for all types of businesses. We can provide a review of your current coverage to make sure your policies fit your individual business needs.

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Commercial Van

We have multiple carriers in Commercial Auto for small and large businesses. Whether you have one vehicle or a fleet of 50, Shivers & Associates has a solution to fit your business needs

Auto Insurance


If you are just starting out in business and are not sure what you need, please give our agency a call. We will guide you through the ins and outs of the coverages that are available for your business.

Every business is different, and not one policy fits all. We have the experience and training to make sure all your insurance needs are met.


  • License & Permit Bonds

  • TABC Required Bonds

  • Lost Title Bonds

  • Bid & Performance Bonds
  • Notary Bonds
  • And Many More

Coverage Options:


This commercial insurance type provices protection for your company's physical location and property.

General Liability

Protection for your organization from claims of bodily injury, property damage, libel and slander.

Workers Compensation

Serves to cover your employees with benefits, like paying for medical care if they get a work-related injury.

Professional Liability

This type of business insurance helps cover mistakes made by you or employees in your professional services.

Equipment Coverage

Additional coverage for tools, equipment, heavy machinery, etc.

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Surety bonds can protect a third-party from any possible losses.


Do you have a business in the Waco, TX area, or are you looking to start one? While your focus may be on profit and growth, please know, regardless of the type of business you have or are opening, insurance is crucial to your security and success. Here are some standard commercial coverages to consider, as well as information about various bonds.

Commercial General Liability

Commercial General Liability policies protect your company against lawsuits filed by customers, vendors, and competitors. Note that even once you have a commercial liability policy in place, it is vital that you reassess your coverage needs annually to make sure you are fully protected.

Commercial Auto Insurance

Commercial Auto Insurance coverage can be very important in protecting your business. It can protect your business from  loss in the event one of your vehicles or a vehicle being used in your business is involved in an accident. When should you make the switch from a personal auto policy to a commercial auto policy if you have a small business? Ask Shivers & Associates today.

Professional Liability

Professional liability is insurance that protects professionals such as accountants, lawyers, and physicians against negligence and other claims initiated by their clients. Professionals who have expertise in a specific area require this type of insurance because general liability insurance policies do not offer protection against claims arising out of business or professional practices such as negligence, malpractice, or misrepresentation.

Workers Compensation

Worker’s Compensation is a two-part coverage for a business. The first part of the coverage is insurance coverage that provides income and medical benefits to employees who have a work-related injury or illness. The second part of this coverage is Employer's liability insurance which can cover a business owner's costs related to a lawsuit resulting from an employee's work-related injury or illness. Without employer's liability insurance, you would have to pay for these legal costs out of pocket, which can get very expensive. Although Worker’s Compensation is not required in Texas it is highly recommended.

Commercial Umbrella / Excess Liability

Commercial umbrella insurance provides an extra layer of liability protection by covering costs that go beyond your underlying liability coverage limits. In other words, commercial umbrella insurance complements your other liability coverages by taking over when your other liability coverage limits have been exhausted.

Bid & Performance Bond

A Bid Bond most normally used for contractors is provided during the bidding process. It guarantees that you as the bidder will accept the project per the terms presented within the proposal. A Performance Bond is then issued once your bid is accepted. It ensures that you will meet all obligations listed within the contract, adhering to specified terms and conditions.

Types of Businesses that Need Insurance:

  • Retail Stores

  • Bar / Restaurants / Food Trucks

  • Manufacturing

  • Service & Repair

  • Contractors

  • Professional Offices

  • Graphic Design or Web Based Businesses

  • Home Based Businesses

  • To name a few...

Here at Shivers & Associates Insurance, we have been providing businesses across Waco, TX with  commercial coverage since 1978

Our knowledgeable agents understand the policies needed for all different businesses and are focused on providing each and every client with the protection they need and deserve. Contact us today:

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