Mike Lively Agency

05/21/2026

🔥 SUMMER GIVEAWAY TIME 🔥

Alright y’all… we’re kicking off our Ultimate Summer Giveaway and the FIRST item added is a Blackstone Omnivore 36” Griddle 👀🔥

Perfect timing too… somebody is gonna be breaking this thing in over 4th of July weekend during the big 250th birthday of the U.S.A 🇺🇸

And this is ONLY the first prize reveal. We’ll be adding more stuff to the package as we go 😎

If you want entered, just hit the CALL button on this post and we’ll get you signed up.

Feel free to share this with somebody who’d put this Blackstone to WORK 🍔🌮🥩🔥

Winner drawn July 1st.

BOO-YAH 🇺🇸

05/15/2026

If you’ve ever watched a Walmart employee struggle to catch the fish you wanted with a little blue net…

It’s time to chat with us about your life insurance.

05/13/2026

05/13/2026

Thanks, Dennis J B!

We’re glad we could help you find a “fair insurance price” and that we “filled the bill.” That means a lot to our team.

Mike Lively Agency is proudly based in Midland, Texas, and we’re here to serve folks all across Texas with honest, straightforward help. We appreciate you trusting us!

05/12/2026

PUBLIC SERVICE ANNOUNCEMENT:

That “cheap guy from Facebook” without workers comp?

If he gets seriously hurt at your house, you and your homeowners insurance could become part of the lawsuit.

In Texas, many contractors legally carry no workers comp at all.

Ask for proof of liability insurance and workers comp BEFORE they touch your home.

05/09/2026

Apparently there’s a “Best of Midland” vote going on…

And somehow we made Top 5. (Thank You you all for the nomination)

Not gonna lie… most of these things turn into who spends the most money to get seen.

We’re not doing that.

So here’s the deal 👇

If we’ve ever:

* helped you with your insurance
* answered the phone when others didn’t
* or just shot you straight without the BS

We’d appreciate your vote.

We dropped the link in the comments ⬇️

Go find it… cast your vote… and let’s see if we can take gold the old-fashioned way.

05/06/2026

If your agent has never been around a job site…

They’re guessing.

And guessing gets expensive.

Most oilfield and contractor claims don’t happen because somebody forgot to pay the premium.

They happen because somebody misunderstood the operation.

What the crews actually do
What the contract actually says
What the exposure actually looks like in the field

That’s the difference between an agent that quotes your business…

And one that actually understands it.

05/06/2026

Texas residential plumbers crack me up sometimes.

Application says:
“100% residential plumbing.”

Meanwhile 70% of the work is:
Restaurants
Tenant finish outs
Apartment repipes
Commercial service calls
Grease lines
Small commercial remodels

But hey…
“At least the premium was cheaper.”

Here’s the problem:

Commercial plumbing exposure is not rated the same as residential.

Different job sites.
Different contracts.
Different claim severity.
Different risk.

And some business owners think:
“If I just don’t mention it, nobody will know.”

Wrong.

Insurance companies may not fully uncover it during quoting.

But after a major claim?

That’s when the digging starts.

Invoices.
Permits.
Payroll.
Contracts.
COIs.
Google reviews.
Bank deposits.
Websites.
Social media.
Subcontractor records.

And suddenly that “residential plumber” looks a whole lot more commercial than advertised.

That’s when the problems start:
Audit bills.
Coverage disputes.
Reservation of rights letters.
Nonrenewals.
Claims investigations.

All because somebody wanted the cheaper premium.

Tell your agent the truth.
Structure the policy correctly.
Because hiding your operations to save money is a hell of a gamble when a six figure water damage claim hits.

04/28/2026

If your agency doesn’t understand how your work actually gets done, they’re just filling out paperwork.

Not building protection.

And that difference shows up when something goes wrong.

04/24/2026

Roustabout work gets called “basic.”

It’s not.

You’ve got:
Equipment moving
Iron getting lifted
People working around it

Most days? Nothing happens.

Then one day something shifts.

Something slips.

Something hits the wrong thing.

That’s the difference in this industry.

The work feels routine…

Until it isn’t.

And when it isn’t, it’s not a small problem.

04/23/2026

Everybody in oil and gas industry asks for a COI.

Most guys think that’s protection.

It’s not.

It just shows:
Limits
Dates
Names

That’s it.

What actually matters is:
How you’re listed
What endorsements are attached
What your policy actually says

I’ve seen COIs get accepted…

Then a claim hits…

And the coverage doesn’t respond the way everyone thought it would.

If your contracts require:
Additional insured
Waiver of subrogation
Primary and non-contributory

That better match your policy.

Not just your certificate.