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Have questions or feedback? We'd love to hear from you! Feel free to reach out using the contact form below or connect with us via email or phone. Our dedicated team is here to assist you and provide the information you need. Your input is valuable to us as we strive to enhance your experience. We aim to respond promptly and look forward to assisting you.

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FAQs

What does $0 Down mean at Cowboy Insurance?

$0 down at Cowboy Insurance means that as a new personal-auto client, you pay no agency fees to start your policy. The only cost required is the first month of your insurance premium, which goes directly to the insurance company, not to us. This allows you to start coverage without extra charges, though restrictions apply based on your driving history, and eligibility.

What’s the difference between General Liability and Workers’ Compensation?

General Liability protects your business when you cause damage to other people or property while performing your work, while Workers’ Compensation covers your employees if they get injured on the job, including medical costs and lost wages. In simple terms, General Liability protects your business from others, and Workers’ Comp protects your workers — and protects you from being held financially responsible for workplace injuries.

What’s the difference between personal auto insurance and commercial auto insurance?

Personal auto insurance is designed for everyday use like family driving, personal errands, and commuting, while commercial auto insurance covers vehicles used for work — transporting tools, hauling equipment, driving for your business, or having employees operate the vehicle. If you use your vehicle to make money, carry work materials, or run business-related tasks, you need commercial auto, not personal auto.