Ledford Agency LLC

1910 N Big Spring St
Midland, TX 79705

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Commercial Insurance Options for Online-based Businesses

If you have an e-business, the risks might be slightly different from a brick-and-mortar business, but you still need business insurance. If you are wondering what kind of coverage you need for your e-commerce, you are in the right place because Ledford Agency LLC in Midland, TX is your trusted partner in all business insurance matters.

Here are the coverage options you need for your online-based business:

Cyber liability insurance

This coverage protects your business when there is a data breach. This coverage pays for notification costs, PR, and legal expenses when sued. Cyber liability coverage shouldn’t be confused with insurance for your computers and IT infrastructure. You need commercial property insurance for that.

General liability insurance

This coverage protects your business when sued for property damage, bodily or advertising injury. While this insurance isn’t mandatory, you should never ignore it because it saves your business significant financial losses.

Product liability insurance

If you sell goods, consumers can be harmed by your product. For instance, consumers could suffer from an allergic reaction after consuming your products. You need product liability coverage to cover medical costs and legal charges when faced with such claims.

Professional liability insurance

As an e-business, you could be an accountant, dietician, financial advisor, or IT specialist. If you offer professional advice, you should invest in professional liability insurance to cover you when sued for malpractice, missed deadlines, and incomplete work.

Commercial property insurance

You may not have a physical office, but your business could have invested in computer equipment and other assets. If you sell merchandise online, you probably have delivery vehicles, inventories, and warehouses. Invest in property insurance to cover your assets against damage and losses from fire, theft, natural disasters, and other perils listed in your policy.

Want to invest in business insurance in Midland, TX? Please contact Ledford Agency LLC for a competitive quote.

How Auto Insurance Can Protect You

Auto insurance is a vital part of life for drivers in Midland, TX. It can protect you and your vehicle in the event of an accident or other incident involving your car, truck, or SUV. Ledford Agency LLC offers you a look at how auto insurance works and what it can do for you. 

How Auto Insurance Can Protect You 

Protect You From Liability

One of the most critical functions of auto insurance is to protect you from liability in the event of an accident. If you cause an accident, your insurance will pay for the damages to the other party up to your policy limit. This can save you a lot of money if someone sues you, or the court finds you liable for an accident.

Protect Your Vehicle

If your vehicle is damaged in an accident, the policy covers the repair costs. This can save you a lot of money if you have to pay out-of-pocket repairs. Your Ledford Agency LLC can help you find the right coverage for your car, truck, or SUV.

Protect You In The Event Of A Collision

If you are in a mishap and your car is damaged, your insurance will cover the repair cost up to the stated limit under your policy. This can save you a lot of money if you have to pay out-of-pocket repairs. The right auto insurance policy can also provide rental car coverage if your vehicle is being repaired.

Protect You In The Event Of An Accident

If you are involved in an accident, your insurance will pay for the cost of medical treatment for you and your passengers up to your policy limit. This can save you a lot of money if you have to pay for medical bills out-of-pocket.

Insure Your Car Today

Auto insurance is a vital part of life for drivers in Midland, TX. Ledford Agency LLC can help you find the right coverage for your car, truck, or SUV. Contact us today to get a quote.

How Much Home Insurance Do I Need?

What’s one of the most frustrating things about insurance? You guessed it right — filing for a claim only to discover that you are uninsured or underinsured. This is not only frustrating but also messes with your finances. So, if you want to invest in home insurance, you want to ensure that you are covered optimally. As such, Ledford Agency LLC of Midland, TX is here to guide you on the amount of home insurance sufficient for you.

To help you understand the amount of home insurance you need, we need to break it into various insurance coverages. This way, you can understand how much of each category you need.

How much dwelling insurance do I need?

Purchase home insurance adequate to rebuild your home when damaged beyond repair. Instead of using the cost you used to buy or build your home, use the “replacement cost value” since it considers changes in building materials, significant renovations, and other factors.

How much liability coverage do you need?

The liability portion of your home insurance covers you against liability claims, including lawsuits. And since these third-party costs can be expensive, you need sufficient insurance to minimize exposure.

While most home liability coverages offer liability coverage of $100,000, we advise you to invest in liability coverage of between $300,000 and $500,000. Opt for umbrella insurance or excess liability coverage if you have assets and savings worth more than this coverage.

Determining property insurance sufficient for you

Before anything else, please conduct a home inventory for your assets. This way, you will ensure that every item in your possession is covered. Once you establish the value of what you own, invest in insurance that can replace your assets without incurring out-of-pocket expenses (except a deductible).

Learn more about home insurance in Midland, TX

Need to expand your home insurance knowledge? Please get in touch with Ledford Agency LLC for more information. We will help determine home insurance suitable for your current needs.

Understanding your commercial insurance options

The team here at Ledford Agency LLC is available to help all of the business owners in the greater Midland, TX area with their insurance needs. Commercial insurance does not need to be confusing or overwhelming! Call us today and learn more about this important way to protect your business.

Commercial insurance options in our area

When it comes to owning a business, there’s a lot to keep track of! Having the right commercial insurance policy in place should be at the top of your list. This important tool to protect your hard work can make a huge difference in the success and longevity of your company.

There are a number of different considerations that go into choosing the right policy for your needs. Whether you have an expansive fleet of commercial vehicles, a substantial amount of inventory, or expensive equipment and technology, it’s important to find a policy that best meets your needs.

Sitting down with a local agent is a great first step when it comes to reviewing commercial insurance policy options. They can review your entire business and help you determine which level of coverage is appropriate and what features you need the policy to contain.

In fact, we recommend that all of our commercial clients do a thorough review of their entire insurance portfolio at least once a year. When you have the right insurance coverage in place, you can focus on your business. We all know how important insurance is when it comes to keeping our business safe.

Let us help you protect your business

Give the team at Ledford Agency LLC a call today and set up an appointment to discuss protecting your Midland, TX area business. We are proud to serve the insurance needs of our business community!

Protect your home with an upgraded policy

If you are a homeowner in the greater Midland, TX area, you can rely on the team at Ledford Agency LLC for all of your insurance needs. We know how important your home is, both as an investment and as a key part of your life. Let us help you protect it!

Is it time to upgrade your homeowner’s policy?

There is a lot to consider when you buy a home, and after you make the purchase, you may not think too much about your homeowner’s insurance policy. In fact, you may just continue to renew it year after year without giving it as much as a second glance. While this is entirely understandable, it can lead to problems down the line.

When you stay on top of your current policy benefits and how they compare to your current policy needs, you can move to fill any gaps right away. In fact, many homeowners decide to upgrade their policies once they take a closer look at its protection and overall coverage levels.

Due to increases in your home price or the value of your possessions, your current policy may not be sufficient. Or, you might be interested in adding some new features to the current home insurance policy. Upgrades such as reimbursement for temporary housing can be a wonderful thing to have. If your home is rendered uninhabitable due to a covered event, think about the peace of mind that will come with an alternative housing feature in place.

Find out more today

Ledford Agency LLC is here for you. We want to help all homeowners in the Midland, TX area protect their homes. If you would like to find out more about your policy options, call or stop by our office today!

Is it time for a more comprehensive auto policy for your family?

Many families in the Midland, TX area simply renew their family auto insurance policies year after year without much review. The Ledford Agency LLC is here to help guide you through the policy review and selection process. Oftentimes, a more comprehensive policy provides clients with the appropriate levels of coverage.

Benefits of comprehensive auto insurance policies

Basic auto policies typically meet the state requirements for coverage minimums. More comprehensive policies usually provide higher coverage levels and additional features and benefits. If your family has been carrying the same policy over the years, it may be time to review and update your coverage.

Auto insurance needs can change from year to year, which is why it makes sense to review your policy on a regular basis. With a more comprehensive policy, you can enjoy benefits such as:

  • Appropriate coverage and protection at the proper level
  • Added features such as roadside assistance services
  • Rental car coverage

Your family’s auto policy may no longer be adequate for your needs, especially as the vehicles that you have insured age. If you have simply just renew your policy, now is a great time to give it a closer look.

Upgrading to a comprehensive policy can benefit your family by providing the coverage that you need. Coverage levels can change as drivers age and gain more experience, and as vehicles are driven longer. Inadequate or unnecessary coverage can create huge headaches. Fortunately, a proactive approach to car insurance can help you avoid this stress!

Don’t delay, call us today!

Ledford Agency LLC is here to provide residents in the Midland, TX area with the insurance policies that keep them protected. If it’s time to review your family’s auto insurance policy, call or stop by today!

Commercial Insurance Guide To Help Texas Business Owners

Ledford Agency LLC serves the Midland, TX community, as well as the surrounding areas. We help our clients find the coverage they need to navigate life’s risks. We work with multiple carriers throughout the South. This allows us to offer multiple types of policies so that our clients are protected in any situation. We look forward to assisting you.

Commercial Insurance Guide To Help Business Owners

The Midland, TX community relies on the success of strong businesses. As a local business owner, you are constantly searching for ways to stand out from the competition. Commercial insurance helps protect your business while also giving you a competitive advantage. Commercial insurance covers your property if it is stolen or damaged. This gives you peace of mind that you will not have to start over if your property is damaged due to a fire or a natural disaster such as a hurricane. It is a good idea to take inventory of your equipment. Liability coverage is also important. Your business is covered if one of your customers suffers an injury while visiting your property or if they allege that your products caused them harm. If you rely on vehicles to complete some tasks, you will need commercial auto insurance. Commercial auto insurance covers your vehicles if they are damaged in an accident.

Consider the benefits of worker’s compensation. You rely on your employees to complete tasks and help your business function properly. Worker’s compensation helps you take care of your employees if there is an issue in the workplace. This also protects your business against possible legal action.

Ledford Agency LLC Will Help You Protect Your Assets

Visit our website to learn more information about commercial insurance.

Why Every Homeowner Needs Home Insurance

If you own a home, you know how responsible you have to be to maintain it. Part of being so responsible is getting and keeping a home insurance policy to protect your home. A good home insurance policy also protects you against a wide range of expenses that you could owe without it. If you need a home insurance policy, don’t hesitate to call us at Ledford Agency LLC in Midland, TX.

Protection for the Home

One part of home insurance is the protection it provides to the house itself. This is protection in case of damage being caused to your home by an incident like an accident, calamity or disaster. When the worst happens, there can be a lot of damage to your home- it may even be destroyed. When this happens, without home insurance you would have to pay for all of it yourself. Few people could afford to rebuild their home if it was destroyed, so it’s smart to get this insurance. 

Protection for Belongings

When you get a home policy, it also provides coverage for what you own that is inside the home. If something major were to happen that destroyed some of your things, your policy can help you to replace or repair them. This coverage can help you to get back to your normal life much sooner than you could without this coverage. 

Liability Protection

In addition to those types of coverage, your home insurance also offers you liability protection. If you were to have someone in your home who then fell or had another kind of accident, you could be responsible for the ensuing medical bills and even their lost wages. With your home insurance policy, you are covered for this situation, and the policy will pay those bills. 

Get a Home Policy

To get your home policy, call us at Ledford Agency LLC in Midland, TX.

Texas Auto Insurance: Is Your Car Safe Enough for Road Trips and Traveling?

When you are going on a road trip, you’ll have a lot on your mind. One of those things is safety. It may be on your to-do list as you prepare for your next vacation or travel adventure. But all too often, some basic maintenance items get easily overlooked in a sea of road trip preparations.

At Ledford Agency LLC, we want all Midland, TX road trippers to be prepared and safe on the roads. Use these tips to make sure your car is safe before you head out.

Check Your Tires

A flat tire or a tire problem when you are on a road trip can ruin the entire itinerary. It’s a bad mood for a little while in the best case scenario. Just check your tires before you head out.

Get your tires checked and rotated if it has been a while. Make sure the tire pressure has been checked and the air pressure is good. It would help to purchase a tire pressure gauge from the hardware store so that you can check your tire pressure when you are on the road as well. Do the same thing with your spare tire as well, and have all the tools that you need for it on hand.

Check the Brakes

Brakes are a critical safety component of your vehicle. It won’t cost a lot to have your brakes and all fluids, lines, and hoses are inspected. You want to have your parking brake checked as well.

Get your fluids topped up if you need them, and have the linings and pads on your brakes looked at. It may just need a look for a mechanic to tell you it’s okay.


Have a look at how your wipers are working. If they leave marks when they are wiping, or don’t work well, get them replaced. A set of wipers won’t cost very much, and could make a significant difference in bad weather on the road. Be sure that your fluids are topped up here as well.

Drive Safely!

When you are preparing for a road trip in Midland, TX, these are the most important things to get done first. Have your insurance information handy at all times, and update or review your policy before you go. At Ledford Agency LLC, we are a phone call away when you want to check that off your to-do list prior to a road trip. Call us to update or review your plan today.

The Power of Great Commercial Insurance

Commercial insurance is a vital and powerful option that keeps companies safe. Thankfully, we at Ledford Agency LLC can provide you with the help necessary for your Midland, TX, and its unique commercial insurance needs. Here’s what you need to know about how these policies help you. The power of commercial insurance is high if you’re willing to work with your provider.

The Ways Commercial Insurance Helps You 

Commercial insurance is a unique type of policy that is set up expressly to help businesses. Its design is straightforward and is easy to understand for most business owners. Just a few of the most common coverage options that it can provide you and your company include:

  • Protect against loss of income due to any problematic instance 
  • Relocation costs if your facility is no longer usable after damage 
  • Problems with your equipment or property caused by outside forces 
  • Fire, hurricane, and storm damage that impacts your property 
  • Theft and loss caused by other people outside your business 
  • White-collar protection against various types of business crimes 
  • Hacking-related damages that may occur without expecting them 

This broad range of security is critical for business owners because it can provide them with the long-term help that they need to minimize various complications that they may otherwise experience. Just as importantly, it provides compensation to keep you focused on your future success.

Give Us a Call Today 

If your Midland, TX business needs a better commercial insurance policy and you want to work with a team that makes sense for your needs, please don’t hesitate to contact us today at Ledford Agency LLC to learn more. Our team will assess your needs and give you the insurance you need to feel protected. And we’ll give you the best chance of getting compensation due to various types of loss.