NCW Insurance:Commercial

Manage your risk with solutions that fit your needs.


Whether you run a small family business or a global corporation—an entrepreneurial startup or a multinational firm—your business carries a certain degree of risk. Every business must be prepared for certain, unthinkable scenarios. What happens if an employee gets injured, or if a product injures a customer? What happens in the case of property damage from natural disaster or fire? Uncovered accidents, injuries, or property damage can be catastrophic for any business.

No one enjoys thinking about or identifying these risks, which is one reason we exist: We’ll do the thinking for you. We’ll help you analyze your risks and then help you determine the proper amount of coverage, as well as helping you determine the best way to fund your insurance program. We carefully design every step of this process to fit your business, industry, and management needs.

With decades of experience across a variety of industries, we’ll put our expertise to work on your behalf. We have extensive relationships with specialized insurance providers. We stay on the cutting edge of state and federal legislation that might impact your coverage, and will alert you when adjustments need to be made. Simply put, we’ll walk alongside you to make sure your business is protected.

We can help you secure commercial insurance and specialized coverage in the following categories:

  • Professional Liability
  • Medical Malpractice
  • Contractors
  • Builders Risk
  • Auto Salvage
  • Scrap Metals
  • Agriculture/Crop/Hail
  • Cyber Liability
  • Oil & Gas    

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    • Join NCW Insurance and Estacar Companies Thursday, June 15th for a FREE Seminar at the Amarillo College Downtown Campus Auditorium.

      With an ever changing economic environment and workforce, businesses need to reevaluate how they manage and support their employees. Join NCW Insurance and Estacar Companies Thursday, June 15th for a FREE Seminar at the Amarillo College Downtown Campus Auditorium.NCW Insurance and Estacar Companies invite business owners, human resource professionals and office/hiring managers to attend a FREE Seminar, Thursday, June 15th at the Amarillo College, Downtown Campus – Auditorium, located at 13...  Read More

    • NCW Insurance, a division of Heritage-RM, announces new team members and continued growth in 2017!

      NCW Insurance, a division of Heritage-RM, continues to grow and evolve. We are pleased to announce the addition of five new team members, community engagement initiatives and acknowledgement for our amazing teams’ efforts in building our community.Katherine D. Smith: Expanding the NCW team all the way to South Carolina, Katherine began working as a Risk Advisor in 2016.   Read More

    • Report on ACA Employer Mandate Enforcement

      On April 7, 2017, the Treasury Inspector General for Tax Administration (TIGTA) published a report on the "Assessment of Efforts to Implement the Employer Shared Responsibility Provisions." This report provides clues to the Affordable Care Act (ACA) enforcement initiatives with regard to the employer mandate. The report stressed that the IRS' systems to enforce the employer mandate portion of the Affordable Care Act have been delayed - not cancelled - and could be up and runni...  Read More

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