Jesse G Robinson Farmers Insurance Agent

Jesse G Robinson Farmers Insurance Agent Serving the Cedar City, UT area since 2005, I can help you understand your coverage options so you can protect what matters most to you.

Whether you're looking for homeowners insurance, auto insurance, renters insurance, or another kind, I'm here to help you understand the insurance coverage you may want. Stop by in person, reach out online or call to get a free quote today.

09/25/2026

And yet here we are. Talking to a camera. On the internet. About insurance.

If this showed up on your feed you are probably a business owner and you probably have at least one thing in your life that is more complicated than it needs to be. Your insurance coverage should not be one of them.

Southern Utah | Licensed in UT · CO · NV · AZ

09/23/2026

Here is why that happens so often.

Your commercial auto policy covers the truck itself. It does not cover what is inside it. Tools, equipment, and materials stored in a work truck are not automatically included in most standard policies and a lot of subcontractors have no idea until they go to file a claim and find out the hard way.

And it is not a rare situation. A subcontractor parks their truck at a job site, goes inside to finish the work, comes back and the tailgate is down and everything is gone. It happens constantly and the financial hit can be significant enough to shut a small operation down temporarily.

There are two things that make a real difference here.

First, having the right inland marine or contractors equipment coverage in place that actually covers your tools and equipment wherever they are, not just at a fixed location.

Second, having a documented inventory of everything you carry. Photos, serial numbers, estimated values. If you cannot tell your insurance company exactly what was taken and what it was worth, your claim gets complicated fast.

Your tools are how you make your living. They deserve to be protected like it.

If you are a subcontractor and you have never had a specific conversation about how your tools and equipment are covered, that is worth sorting out.

I am happy to take a look.

Southern Utah | Licensed in UT · CO · NV · AZ

09/18/2026

This is fine. Everything is fine. 🔥🫡

Send this to a business owner who gets it.

Southern Utah | Licensed in UT · CO · NV · AZ

09/16/2026

3 coverages that apply to almost every business owner.

There is no one size fits all insurance policy. But in 20 years of working with business owners I have found that these three come up every single time regardless of industry, size, or how long the business has been running.

General liability is the foundation. It protects you if a customer is injured at your location, if you damage someone else’s property in the course of your work, or if your business faces a personal injury claim. Most leases require it. Most general contractors require it from their subs. And most businesses are exposed without it whether they realize it or not.

Commercial auto is one that catches a lot of business owners off guard. If any vehicle is being used for work purposes, your personal auto policy is not going to cover an accident that happens on the job. That applies to your own vehicles and in many cases to employees driving their personal vehicles on your behalf as well.

Workers compensation is the one nobody wants to think about until they need it. The moment you have employees, your exposure changes significantly. One workplace injury without workers comp in place can create a financial situation that is very difficult to recover from.

If you are not sure whether you have all three in place or whether what you have is actually structured the right way for your business, that is worth finding out.

I am happy to take a look.

Southern Utah | Licensed in UT · CO · NV · AZ

09/14/2026

This one comes up constantly and it makes sense on the surface. No employees means no payroll, no workers comp, no HR headaches. So why would you need coverage?

Here is the reality.

The moment you set foot on a job site, walk into a client’s space, or provide any kind of service or advice, you have liability exposure. That does not go away just because you work alone.

General liability covers you if a third party is injured or their property is damaged because of your work. Professional liability covers you if a client claims your work or advice caused them a financial loss. Neither of those has anything to do with whether you have employees.

And depending on how your contracts are structured, workers comp can still come into play even as a solo operator working with subcontractors or being hired as one yourself.

Solo does not mean invisible to liability. It just means you are the only one responsible for making sure you are covered.

If you work for yourself and you are not sure what coverage you actually need, feel free to send me a message.

Southern Utah | Licensed in UT · CO · NV · AZ

09/11/2026

And honestly that is pretty close.

Look, nobody gets excited about paying for business insurance. But every business owner who has ever had to use it will tell you the same thing.

It was worth every penny.

The goal is not to spend money on insurance. The goal is to make sure that when something goes wrong, and eventually something always does, the thing you have spent years building is still standing on the other side of it.

That is what good coverage does.

If you have not had someone actually look at whether your current policy is doing that job, I am happy to take a look.

Southern Utah | Licensed in UT · CO · NV · AZ

09/09/2026

If your trailer got stolen tonight, could you tell me exactly what was in it?

Most contractors cannot. And that is exactly the problem.

Here is a scenario I have seen play out more than once. You park your trailer at a job site, plan to come back in the morning to finish the work, and when you show up it is gone. Trailer and everything inside it.

Now the claim process starts. And the first thing your insurance company is going to ask you is what was in it and what was it worth.

If you cannot answer that question with specifics, your claim gets complicated fast. Trying to recall every tool, every piece of equipment, and every material from memory while you are already dealing with the stress of a theft is not a position you want to be in.

This is why having a documented tool and equipment inventory is one of the simplest and most important things a contractor can do. Photos, serial numbers, purchase dates, estimated values. Keep it somewhere you can access it and update it when things change.

You have to know what was in that trailer before something happens. Because after is too late.

If you have never thought through how your trailer contents are covered or what documentation you would need to file a claim, that is a conversation worth having.

I am happy to take a look.

Southern Utah | Licensed in UT · CO · NV · AZ

Address

210 N 300 W Ste 203
Cedar City, UT
84721

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+14358651160

Website

Alerts

Be the first to know and let us send you an email when Jesse G Robinson Farmers Insurance Agent posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category