Fry Integra Insurance Services, an honest and dependable agency.

Our goal is to give an individualized approach to helping protect what’s most important to our clients.

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Fry Integra Insurance Services

35+ years of business insurance expertise.

For over 35 years, Fry Integra Insurance Services, a family-owned agency, has been serving the Dallas-Fort Worth suburban town of Duncanville, TX, and surrounding areas, including Cedar Hill, Midlothian, Waxahachie, and Grand Prairie.

While we offer a wide range of protection within business insurance, we specialize in coverages such as general liabilitycontractor, workers’ compensation, builder’s risk, and commercial umbrella.

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What Makes Us Unique

Focused specialty areas

Our in-depth experience in the commercial industry allows us to meet clients’ needs in specific areas such as HVAC Contractor InsuranceSecurity Guard Insurance, Plumbing Contractor Insurance, Electrical Contractor Insurance, Fire Protection Contractor Insurance.

Commercial Industry Mastery

Our link to Integra allows us to provide greater access to standard commercial carriers, enabling us to extend these benefits to our clients.

Business

Business Insurance

In today’s ever-changing environment, risk is constant. Business insurance isn’t. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.

Specialized Industries

Different businesses have different insurance needs. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.

Insurance by Industry

Fry Insurance has cut my insurance costs by more than half. As a small business owner, this savings has helped me tremendously. Thanks, Fry Insurance.

Johnie DavisNevada, TX

I would like to thank you for the work and effort you did to provide the insurance premium quotes for various types of coverage. I understand that you got quotes from multiple companies to get the best prices in the market today. I appreciate your effort and know that it is good business practice to periodically seek independent bids to ensure that our present carrier is giving us the best coverage at the best price. Once again, thank you for your care and professionalism.

Tom BryanDuncanville, TX

The Fry Insurance Agency has always been so friendly and helpful in meeting all of our needs.

Shannon HendricksMidlothian, TX

Our Core Values

What Makes Us Successful

Exceptional Service

Our hands-on attitude gives us an advantage over the cold, impersonal methods of buying insurance.

A Sound Education

We educate you about your protection plan options to help you select the best coverage possible.

Genuine Appreciation

We genuinely appreciate your livelihood in both your business and personal life.
Clickable Coverage

There’s more to insurance than the price of the policy

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Business Insurance
Contractor

Commercial General Liability Coverage

Risk Factor

As a contractor, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.

Solution

Commercial general liability insurance is an absolute necessity for every contractor. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.

Commercial Property Coverage

Risk Factor

When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.

Solution

Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Contractors' Equipment Coverage

Risk Factor

You’re constantly moving your tools from one job site to another, exposing your contractor business to potential loss due to damage or theft. And without your specialized tools and equipment, your job site may come to a screeching halt.

Solution

As a contractor, you need contractors' equipment insurance - a policy specially designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning. Unlike standard commercial property insurance policies, contractors' equipment insurance often covers losses caused by floods and earthquakes.

Builders Risk and Installation Insurance

Risk Factor

A building under construction is not covered under a standard building insurance policy or a home insurance policy since it is not a complete structure. As a contractor, you may be responsible for unique loss exposures related to buildings under construction such as the theft of building materials and high valued equipment such as generators and compressors.

Solution

Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insurance–a policy specially and the value of the property being constructed until it is completed.

Workers’ Compensation and Employers Liability Coverage

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers’ compensation and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.

Business Auto Insurance

Risk Factor

As a contractor, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your contractor business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by a contractor and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Hold Harmless / Additional Insureds

Risk Factor

If you are performing as a contractor on a construction project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor or subcontractor causing damage to people or property of your mutual customer.

Solution

Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on their policy. This may provide you with coverage under their policy for injuries or damage they cause if you are named in a lawsuit.

Commercial Umbrella / Excess Insurance

Risk Factor

Losses and lawsuits are quite common in the construction business, and settlements can be substantial. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over your general liability insurance, workers’ compensation, business auto, and directors and officers liability insurance. It provides a great safety net and helps ensure your contractor business is well protected.

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