Business Owners sometimes find that Insurance does not seem to make much sense.  An Agent asks a few questions, inquires about the claims you may have had, talks about payroll and gross  receipts, wants to know the limits of liability you want quoted, and that’s about it.  The Agent seems  to fill in the rest and you sign the form.  HOWEVER, to a “SPECIALIST”, it is a lot more than that.  If all  you collect is the basic information noted above, then the quote you will be provided will be a general  basic main street quote out of the box.


There is a lot more information that will make a difference and help tell your story.   It is important to understand and consider:


◘ How long have you been in the business, maybe not just as  an owner;


◘ Not what state you are in but what part of the state you WORK in;


◘ Who are the other contractors on the job.  In today’s LITIGOUS society everyone on the project is named in any suit;


  Are contracts entered into and signed by all the parties that describe the JOB?  Do they require evidence of insurance?  If you have to pay for insurance shouldn’t everyone else?  Not what insurance or how much, JUST that there is evidence of insurance provided by everyone, so you are not left holding the bag;


  And other obvious questions and answers that make one owner different from another business owner that may be available for the same job.



Use this Application Kit for the Business Types  Noted below


(CLICK the application below that best applies to your business operations)


 FARM & RANCH – Agri Business Industry

            Farm and Ranch Operations

            Feed Mills and Feed Lots

            Grain Elevators

            Livestock Feedlot Auction

            Commercial General Property

            AGRI-Business Equipment Dealers



            Animal Farms

            Cotton Farm

            Fish Farms

            Fruit Farm


            Nut Farms

            Poultry Farms

            Tobacco Farm

            Tree Farm

            Vegetable Farms

            Commercial General Property    


46 Years Experience

U.S. Licensed Agent/Broker

Also Available:

            Workers Compensation

            Group Health Insurance / Individual Health

            Employment Practices Liability

            Business Building Property

            Business Contents Property

            Directors and Officers Liability

            Business Auto / Incidental to Business

            Commercial Auto / Primary Business Purpose

            Surety & Fidelity Bonds

            Excess Liability

            Business Owners Policy

            Product Liability

            Cyber Liability


The above is nowhere near complete, however F. D. Lindsey is licensed nationwide, with over 46 years experience, and is contracted with most of the available insurance companies offering quotes for the above business classes and is able to respond to almost any request. 






Should you have any questions about a specific risk class not directly identified above, please call 1-866-937-7037, FAX 1-866-937-7010 or E-mail