Dependable Brokers : High-Value Business Insurance Sales Sheet

When it comes to commercial insurance, not all brokers are created equal. At Dependable Brokers, we don't mess around with penny-ante policies or mom-and-pop operations that barely move the needle. We're laser-focused on one thing: delivering serious insurance solutions for mid-sized and large commercial accounts that demand real coverage for real assets.

I'm Randy Dinwiddie, and I've been navigating the commercial insurance landscape for over three decades. My background isn't your typical insurance agent story – I spent 16 years (1992-2008) deep in the repossession industry, which taught me everything about high-risk operations and the kind of coverage that actually protects businesses when things get tough.

Who We Actually Serve (And Who We Don't)

Let's cut to the chase: Dependable Brokers specializes exclusively in commercial accounts that deliver strong premiums and long-term value. We're not interested in writing insurance for the corner barber shop or the single-truck handyman operation. Nothing against those businesses – they're just not our wheelhouse.

We target businesses with real assets, real payroll, real exposure, and the need for serious coverage. Think multi-million dollar operations, fleet owners with dozens of vehicles, manufacturers with significant property holdings, and contractors bidding on major projects. These are the accounts that understand insurance isn't just a regulatory checkbox – it's a critical business protection strategy.

Our 10 Core Commercial Insurance Categories

1. Commercial Auto & Fleet Insurance

If you're running a serious operation with multiple vehicles, you know that standard auto policies don't cut it. We specialize in full liability and physical damage coverage for:

• Towing companies (my personal specialty)

• Trucking fleets

• Delivery operations

• Large contractor fleets

We're talking high-limit policies designed for multi-vehicle operations where a single incident could potentially wipe out an undercovered business. Our carriers understand the unique exposures of commercial vehicle operations.

2. Repo & Towing Industry Insurance

This is where my 16 years of industry experience really shines. Repossession companies face unique risks that most agents don't even understand, let alone know how to properly cover. We provide comprehensive coverage including:

• On-hook liability

• Garage liability

• Wrongful repossession coverage

• Storage lot protection

These policies are designed specifically for high-risk, high-value operations where standard coverage falls woefully short.

3. Commercial Property Insurance

When you're dealing with high-value buildings, warehouses, manufacturing sites, or multi-property holdings, cookie-cutter property coverage won't protect your investment. We structure policies that include:

• Fire, theft, and storm coverage

• Business interruption protection

• Equipment breakdown coverage

• Multi-location scheduling

4. General Liability (Mid-to-Large Commercial Only)

We don't write general liability for small operations. Our GL policies start at $1M coverage levels and go up to $5M+, designed for:

• Major contractors

• Industrial operations

• Large service companies

• Multi-location businesses

This includes vendor liability, jobsite coverage, and comprehensive premises & operations protection.

5. Workers Compensation Insurance

Workers comp for mid-sized to large employers is a different game entirely. We focus on:

• Construction companies

• Trucking operations

• Manufacturing facilities

• Large service industries

Beyond basic coverage, we provide experience modification review and cost-saving strategies that can significantly impact your bottom line over time.

6. Business Owner Packages (High-Value Only)

Our BOP policies aren't for everyone – they must meet specific premium thresholds. These packages are designed for multi-location or large-scale operations that need combined property, liability, and equipment protection under one comprehensive policy.

7. Commercial Umbrella/Excess Liability

For high-exposure commercial accounts, umbrella coverage isn't optional – it's essential. We provide extra protection over your liability, auto, and workers comp policies, with limits available up to $10M+ depending on the carrier and your specific risk profile.

8. Professional Liability (High-Earning Professions Only)

We don't write professional liability for every consultant with a laptop. Our E&O coverage is reserved for:

• Engineering firms

• Financial services companies

• Medical-adjacent businesses

• Technical fields with significant exposure

No low-premium micro-businesses need apply.

9. Contractors Insurance (Mid-to-Large Only)

Contractors working on major projects need comprehensive coverage that goes beyond basic liability. We cover:

• Roofing contractors

• Electrical companies

• HVAC operations

• Plumbing contractors

• Concrete and framing companies

Our contractor packages include full liability protection, commercial auto coverage, and inland marine coverage for tools and equipment.

10. Garage & Dealership Insurance

Auto dealerships, repair shops, and body shops face unique exposures that standard policies don't address. Our garage coverage includes:

• High-value inventory protection

• Garage liability coverage

• On-premise coverage

• Dealer plate coverage

• Test-drive exposure protection

Why Dependable Brokers Gets Results

After 30+ years in business operations and commercial insurance, I've learned that most agents talk a good game but don't deliver when it matters. Here's what sets us apart:

Real Industry Experience: My background in repossession and high-risk industries means I understand exposures that other agents miss entirely.

Fast Turnaround: We don't waste time on lengthy approval processes. If you're a qualified account, we move quickly to get you covered.

Focus on Results: We only work with clients who value real coverage that protects real assets. If you're shopping solely on price, we're probably not the right fit.

Carrier Relationships: Three decades in the business means we have relationships with carriers who write the coverage you actually need.

Ready to Get Serious About Your Commercial Insurance?

If you're tired of dealing with agents who don't understand your business or carriers that disappear when you need them most, let's talk. We work exclusively with businesses that understand the value of proper coverage and are ready to invest in protecting their operations.

For businesses ready to explore comprehensive commercial insurance solutions, Next Insurance offers streamlined applications that can get you started quickly with professional coverage.

Get Your Quote Today

Don't wait for a major loss to realize your current coverage isn't adequate. Contact Dependable Brokers today and let's discuss how proper commercial insurance can protect your business assets and give you the peace of mind to focus on growing your operation.

Randy S. Dinwiddie Sales & Strategy Dependable Brokers 📞 314-580-3455 📍 St. Louis, Missouri

This article was prepared by the content team at Amerishop Services LLC to help business owners understand comprehensive commercial insurance options.