Business Insurance
Business Insurance, Local Know-How
Tailored solutions. Trusted service.
As a local independent agency, we understand the unique risks that come with doing business in West Texas. From equipment to liability to commercial vehicles, we match you with coverage that fits your industry, your budget, and your long-term goals. When things don’t go as planned, we’re here to help make it right.
Support for Every Industry
Business Insurance
No matter your line of work—construction, retail, consulting, or food service—we offer flexible policies designed to protect your people, property, and day-to-day operations. We’ll help you choose the right coverage for the risks your business actually faces.
Commercial Property Insurance
Protects against third-party claims of injury, property damage, or legal costs related to accidents.
Commercial Umbrella Insurance
Covers buildings, tools, inventory, and other physical assets against fire, theft, or storm damage.
Commercial Car Insurance
Covers vehicles used for business operations, from service vans to delivery trucks and everything in between.
Restaurant Insurance
A tailored package for food service businesses, covering liability, property damage, employee injuries, and more.
Business Owner’s Package (BOP)
A bundled policy that combines general liability and property insurance—perfect for small business owners.
General Liability Insurance
Essential protection against claims of property damage, bodily injury, or legal costs tied to accidents or negligence.
Workers Compensation Insurance
Covers medical bills and lost wages if an employee gets hurt or sick while on the job.
Farm & Ranch Insurance
Comprehensive protection for landowners—including homes, barns, equipment, crops, livestock, and personal liability.
Frequently Asked Questions
What types of business insurance do you offer in West Texas?
We offer a full suite of commercial insurance products including general liability, commercial property, business auto, umbrella, workers comp, and a range of farm and ranch policies. Whether you’re operating in Lubbock, Abernathy, or another West Texas community, we’ll tailor coverage to match your specific industry. Our plans are designed to protect everything from retail shops and contractors to crop farmers and ranch owners. You’ll get local insight backed by national-level carrier options.
Why does a small business need general liability insurance?
Even if you operate a one-person shop, liability claims can be costly and disruptive. General liability insurance protects you if someone is injured on your property, sues over damaged property, or claims negligence. It’s often required for business licenses, leases, and client contracts. In West Texas, where many small businesses are hands-on and community-facing, this kind of protection is a smart foundation for risk management.
How is farm insurance different from standard business insurance?
Farm and ranch insurance is uniquely structured to cover both personal and commercial elements on the same property. Unlike traditional business policies, it protects your home, barns, equipment, livestock, and liability all in one package. It’s ideal for West Texas families who live on the land they work. At Clark Riley Insurance, we understand how to blend personal and ag-business coverage to suit your operation.
Do I need business auto insurance if I use my personal vehicle for work?
Yes—if you use your personal car or truck for business activities like deliveries, client meetings, or transporting tools, a standard auto policy may not cover you. Business auto insurance ensures you’re protected while using your vehicle for work purposes. In rural areas like Abernathy and the surrounding region, many small business owners use one vehicle for both personal and business use—so having the right policy matters. We’ll help you navigate those gray areas.
Can you insure my home-based business?
Absolutely. If you run a business out of your home—whether it’s a photography studio, a bookkeeping service, or an online store—you may need additional coverage beyond your homeowners policy. We can help you get the protection you need for business property, liability, and data or inventory stored in your home. As more West Texans run operations from their garages, spare rooms, and barns, we’re here to support those entrepreneurial roots.
