Products We Offer
Carter and Company prides itself on representing some of the most competitive companies in the insurance industry. Click on each link for complete information about commercial and personal lines. Click on the banners below each link to go directly to the company web site.
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We also offer specialty coverages which are listed below. If you would like to fill out a questionnaire on any of these coverages please click on the appropriate link.
In Home Business Coverage
If you are like the majority of home-based business owners, you may be in serious trouble.
Many assume they are covered when they are not. Home business owners face no
less than an "under-insurance" crisis. This arises from the mistaken
belief that existing insurance policies automatically protect home businesses. In
fact, many homeowner policies have language that explicitly excludes coverage for business
uses and business property. Some problems include:
 | Business Use of An Automobile - Accidents while on a business trip or business property stolen from a car may not be covered under existing property and automobile policies. |
| Theft or damage to home office equipment - Often not covered under homeowner or apartment dweller policies, which usually cover only personal property. |
| Healthcare - Inadequate or lack of coverage altogether, in higher proportions than the non-home business population. |
| Disabilities - Lack of coverage to protect income in the event you become disabled. |
| Coverage - Not getting the correct types |
| Existing homeowner policies - Voided due to a business being operated from the home. |
| Special coverage - lacking for computers and software |
| Liability - No coverage for people who visit your home for business purposes or for liabilities that result from business activities outside the home. |
| Partnerships - No liability coverage for actions of partners |
| Business Interruption - Almost a wholesale lack of coverage by home business owners. |
| Home Offices - Separate and/or detached structures not covered under homeowner policies. |
If any of the above sound familiar, click In Home
Business Coverage, fill out the questionnaire and submit it to us.
We'll get back to you as soon as possible.
If you are an oil and gas professional, we specialize in this type of coverage.
If you would like a quote click the Oil and Gas
Lease Operator / NOWI Questionnaire, Oil
and Gas Contractor Questionnaire, or Oil
and Gas Consultant Questionnaire, submit it to us on line and we will get
back to you with a quote as soon as possible. We also offer Control of Well Coverage.
Carter and Company also offers many types of bonds.
They can be divided into two broad categories.
Surety:
Typically required by governmental entities.
Examples - License & Permit and Court Bonds
Fidelity:
Bonds for financial interests, typically required by businesses for protection from loss
caused by employees or contractors.
Examples - Employee Dishonesty, Peformance, and Bid Bonds
Click here if you would like to know more or fill out a bond application.