Business Details
We were established by Bob Ratliff in 1954. Mike Ratliff joined the agency in 1985. Today, Mike Ratliff, Liliana Ornelas, and Cole Ratliff run the agency. We strive to provide the best customer service possible. We work personally with each customer to provide the best possible insurance coverage for their individual needs. We offer a full range of personal lines, including homeowners, boat and personal watercraft, flood, recreational vehicles, life and health insurance. Our commercial lines include commercial auto, workers compensation, business umbrella, automotive, motorcycle, renters, farm and ranch, mobile homes, personal umbrella, business owners policies, general liability, and commercial building bonds.
We assist clients in selecting appropriate coverage for their house, auto, or business needs. We provide quotes upon request through office visits, phone calls, or email. We have been serving the Colorado City community for over seven decades. We continue to strive to provide the best possible insurance coverage for our clients.
We assist clients in selecting appropriate coverage for their house, auto, or business needs. We provide quotes upon request through office visits, phone calls, or email. We have been serving the Colorado City community for over seven decades. We continue to strive to provide the best possible insurance coverage for our clients.
Highlights and features
- We have served Colorado City since 1954.
- Our team includes Mike Ratliff, licensed since 1985.
- We provide personalized quotes for home, auto, or business.
- Our agency offers full personal and commercial lines coverage.
- We maintain transparent communication with every client.
Services
Homeowners
Homeowners insurance protects your residence and personal belongings against covered perils. It is designed for individuals who own their homes in Colorado City. This policy helps cover essential repair costs, replacement of possessions, and liability claims arising from property-related incidents.
Commercial Auto
Commercial auto insurance covers vehicles used for business purposes. It is intended for companies that own or operate trucks, vans, or other commercial vehicles. This coverage helps pay for accident damages, medical expenses, and legal liabilities related to business driving.
Workers Compensation
Workers compensation insurance provides benefits to employees injured on the job. It is required for most employers in Texas to cover medical costs and lost wages. This policy protects both workers and employers from financial hardship due to workplace accidents.
Business Umbrella
Business umbrella insurance offers extra liability protection beyond standard commercial policies. It is ideal for companies that need higher coverage limits to protect against large or unexpected claims. This coverage activates when underlying policy limits are exhausted, paying for additional damages and legal expenses.
General Liability
General liability insurance defends businesses against thirdparty claims of bodily injury or property damage. It is essential for contractors, retailers, and service providers operating in Colorado City. This coverage helps pay for legal defense, settlements, and medical expenses resulting from accidents.
