Questions, answered.

Yes. Gatson Life & Financial Group writes commercial coverage for small, mid-size, and established companies doing $1 million or more in revenue, including higher limits and umbrella or excess coverage when a carrier will offer them. What's available depends on your industry, location, and the carriers we can access. If you'd like us to look at your operation, request a quote.

Yes. We work with construction, trades, trucking, and other higher-risk operations, as well as shops, offices, and growing teams. Available coverage, limits, and pricing vary by carrier, state, and the specifics of your risk. Tell us about your work and we'll see what options may fit.

We serve Dallas–Fort Worth and all of Texas, and we also work with clients in Ohio, Arkansas, Oklahoma, Virginia, and Louisiana. Licensing, product availability, and carrier options vary by state. Reach out through our quote form and we'll confirm what we can offer where you operate.

We offer general liability, workers' compensation, commercial auto, commercial property, umbrella and excess liability, professional liability, and a business owner's policy (BOP). The right mix depends on your industry, contracts, payroll, vehicles, and property. Coverage availability, terms, and exclusions vary by state and carrier. Request a quote and we'll walk through what may apply.

Yes. Once a policy is in force, you can request a certificate of insurance by email or text, and we'll get it to you. Turnaround can vary depending on the carrier and what the certificate needs to show. Email support@gatsonlfgroup.com, text (903) 348-0913, or send a request on our contact page.

No. We are an independent agency, so we compare coverage from multiple carriers rather than representing only one company. That helps us look for options that fit your size and risk, whether you're a small shop or a multimillion-dollar operation. Carrier availability varies by state and by the type of coverage you need.

Yes. We'll review your current coverage for gaps, limits, and whether another available option may be a better fit. A review is informational and does not obligate you to change or buy a policy. Send us your details or call (866) 486-9959 to get started.

Go to our quote form, call (866) 486-9959, text (903) 348-0913, or email support@gatsonlfgroup.com. We'll ask about your business, operations, and current coverage, then shop available carriers. Requesting a quote is free and does not commit you to buy.

Rates are typically based on things like your driving record, the type of vehicle, how you use it, where it's garaged, coverage limits, deductibles, and other underwriting factors the carrier uses. No two situations are identical, and pricing varies by carrier and state. Request a quote and we'll compare available options.

Texas requires drivers to carry liability insurance, and the state sets the minimum limits. Those requirements can change, and other states we serve have their own rules. We'll confirm the current minimums for your state when we quote and can also show you higher limits if you want more protection. Get a quote to review your options.

Liability coverage helps pay for injuries and property damage you cause to others. What people often call "full coverage" usually adds protection for your own vehicle, such as collision and comprehensive, along with other optional coverages. The right mix depends on your car, your budget, and whether a lender requires certain coverages. We'll explain the differences in plain English when you request a quote.

Yes, in most cases a teen or newly licensed driver in your household needs to be listed on the policy. Adding a driver can change the premium, and rules vary by carrier and state. Tell us about the drivers in your household and we'll help you look at available options.

SR-22 filings are sometimes needed after certain violations or lapses in coverage. Whether we can help depends on the carrier, your state, and your driving record, so availability varies. Contact us with the details and we'll check what options may be available.

Often, yes. Many carriers offer a discount when you bundle auto with home, renters, or other personal policies, but discounts and eligibility vary by carrier and state. Request a quote and we'll look at whether bundling is available for you.

A typical homeowners policy helps protect your dwelling, other structures, personal belongings, and personal liability if someone is injured at your home. It may also include additional living expenses if a covered loss makes the home unlivable. Coverage, limits, and exclusions vary by policy and carrier. Request a quote and we'll review what a policy would and wouldn't cover in your situation.

Dwelling coverage is for the structure of your home. Contents, or personal property coverage, is for belongings like furniture, clothing, and electronics. The two have separate limits, and some items may need extra coverage. We'll help you think through both when you get a quote.

Usually not. Flood and earthquake damage are typically excluded from a standard homeowners policy and need to be written separately, if coverage is available. Availability and terms vary by location and carrier. If you're unsure what's included, send us your policy details and we'll take a look.

Common options include choosing a higher deductible, asking about protective devices like alarms or updated electrical and plumbing, and checking whether bundling with auto or other policies is available. Discounts and savings vary by carrier and state, and a lower premium can also mean less coverage, so we'll explain the tradeoffs. Request a quote to compare available options.

After a loss, document the damage, take photos if it's safe to do so, and contact us or the carrier so the claim can be reported promptly. Keep receipts for temporary repairs and additional expenses, and don't discard damaged items until you've been told it's okay. We're here to help you through the process — reach out, call (866) 486-9959, or text (903) 348-0913.

In most cases, a landlord's policy covers the building, not your belongings or your personal liability. Renters insurance is designed to help protect your stuff and may cover you if you accidentally damage the unit or injure someone. Many leases require it. Request a quote and we'll look at available options.

A typical renters policy helps cover personal property, personal liability, and additional living expenses if a covered loss makes your rental unlivable. Limits, deductibles, and exclusions vary by carrier and policy. We'll walk through what's included when you get a quote.

Renters insurance is often one of the more affordable personal policies, but the price depends on your location, coverage limits, deductible, and the carrier. We don't quote a typical price here because it varies. Request a quote and we'll compare available options for your situation.

Term life provides coverage for a set period, such as 10, 20, or 30 years, and is usually the most affordable way to get a larger amount of coverage. Whole life, and other permanent policies, can last your entire life and may build cash value over time, typically at a higher cost. Many families use one or a combination of both. Request a quote and we'll compare options that may fit.

The right amount depends on your income, debts, dependents, and goals, such as covering a mortgage or funding a buy-sell agreement. A common starting point is a multiple of your income plus debts, but we'll walk through your actual numbers at no cost. There's no obligation to buy. Get started on our contact page.

Not always. Many carriers offer no-exam or simplified-issue policies, especially for certain term and final expense amounts. Whether an exam is required depends on your age, health, and the coverage amount, and it varies by carrier. We'll explain what's required when you request a quote.

Yes. We offer life insurance for business owners, key employees, and families, including coverage that may be used to help fund a buy-sell agreement or protect the business if a key person dies. Available products and underwriting vary by carrier. Contact us to talk through what may fit.

Yes. We offer pet insurance that can help with veterinary bills for accidents and illness, depending on the plan. Coverage, waiting periods, and exclusions vary by carrier and by the pet. Request a quote and we'll look at available options.

Yes, we can help with boat and watercraft insurance when a carrier will write the risk. Coverage and eligibility vary by the type of vessel, how it's used, where it's kept, and the state. Send us the details and we'll check what's available.

Yes. We can help with RV and motorcycle insurance, subject to carrier guidelines. Eligibility, discounts, and coverage options vary by vehicle, use, and state. Get a quote to see what may be available.

A personal umbrella policy can provide extra liability protection above the limits on your auto or homeowners policy. It's often considered by people who want higher limits for serious claims. Eligibility usually depends on having certain underlying policies and limits, and availability varies by carrier. Ask us about umbrella coverage when you request a quote.

You share basic details about what you want to insure — your business, vehicle, home, or family — and any current coverage. We then shop available carriers and come back with options and pricing. Requesting a quote is free and does not commit you to buy. Start on our contact page.

Many carriers offer a discount when you place more than one policy with them, such as auto and home, or certain business coverages together. Those discounts and the amount of any savings vary by carrier and state. We'll check what's available when we quote. Request a quote.

We're available from 8 AM to 6:30 PM, seven days a week. If you reach out after hours, leave a message or send a note and we'll follow up. You can request a quote, call (866) 486-9959, text (903) 348-0913, or email support@gatsonlfgroup.com.

You can request a quote on our contact form, call (866) 486-9959, text (903) 348-0913, or email support@gatsonlfgroup.com. We're here 8 AM to 6:30 PM, seven days a week.